BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
Dear Bank of America Fraud Department, My soon to be ex, XXXX XXXX, has written 2 cash advance checks and forged my signature. I've been at the bank several times calling to get copies of the checks, and called the fraud department many times. I've been assured that the copies of the checks will be faxed to me within 24hr, emailed to me within 2-4days and mailed to me within 7-10 days. I have received only via fax the last statement of the account which I'm late on, since it is fraud ( you did not approved it ). 
The first check was on XX/XX/XXXX for the amount of {$6000.00}, and the second was on XX/XX/XXXX for the amount of {$9000.00}. 
Please send me the copies of these check ASAP as I have a court date on XX/XX/XXXX and need to show it to the judge. Also please approve the fraud as I DID NOT WRITE THESE CHECKS.

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 2017-06-10
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 ask Transunion to delete negative information from my report. Transunion send me my disputing results were it saids that all negative personal information has been deleted but has not been done as described under the Results column.

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 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. 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 2022-04-04
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Freedom Mortgage Taking advantage of XXXX 's during COVID. They are deceieivng their customers who have been accepted into the FHA Covid relief streamline program. They are not executing customer contracts in a formal and timely manner XXXX I was accepted in Freedom Mortgage Streamline program, FM  send out formal documents to be notarized however due to clerical errors needed to be re done. 
XXXX I am still waiting for formal documents to be done for my streamline loan.? 

FM has asked me to make mortgage payments for XXXX XXXX, in the amount that was agreed to on Docs from XX/XX/2021. ( i made those payments ) As they told me if I did not I would be kicked out of program?? However docs have never been notarized nor sigend, due to errors on Freedom Mortgage part. 

Fast foward to XXXX Still waiting for formal documents to be sent out. Nothing from FM. They keep telling me docs have been ordered and any day I should receive them? FM informs me that I now have to make an XXXX payment or I will be kicke out of loan program. 

All the while this has been going on my back end loan amount continues to acrue, so my overall loan becomes greater and greater evern though I am making monthly payments?? I have called, contacted, written this company numerous times since XX/XX/2021, and not one single person CEO included can inform me of when I am supposed to recieve my updated loan documents. 

How can I be waiting over 7-8 months for them to send me out docs. 
I am writing directly to this organization, in the hopes that they can help resolve this issue for 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 explanation
Consumer complaint received 2020-02-29
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Issue : Deceptive, misrepresentation of terms of finance by CareCredit/Synchrony Banks acting agent at the time : XXXX XXXX XXXX XXXX, XXXX XXXX. 
Sub-Issue : I neither received by postal mail an explanation of credit card terms of finance nor any communication by telephone of credit card terms of finance from CareCredit/Synchrony Bank. 
Sub-Issue : CareCredit/Synchrony Bank never enrolled me directly although the transaction amount was greater than {$1000.00}. 

I am disputing the {$750.00} of interest added to principal balance. 

The problem is that upon the date of XXXX service and enrollment in CareCredit/Synchrony Bank ( XXXX ), the XXXX office claimed that the costs of the procedure could be financed by CareCredit at 0   % annual interest along with a monthly principal payment that would pay off the balance in a couple of years. I wholly relied on the XXXX office representatives oral explanation and, thereafter, monthly payments were auto-drafted from checking. However, at the end of XXXX, I looked further to discover that the promised 0 % annual interest is really 26.99 % APR, the terms are really interest-deferred for 18 months, at which time, the accumulated deferred interest of {$750.00} from month one through month 18 is applied to the remaining principal balance. 

On XXXX, I called CareCredit/Synchrony Bank requesting records. The representative emailed back a copy of the Credit Card Agreement ( see attachment : CareCreditSynchrony Terms XXXX ). Please note that the copy of the Credit Card Agreement provided is dated XX/XX/XXXX ( see page 1, top right corner, 3rd line ) which is about 20 months after the fact ( XXXX ). 

On XXXX, I paid off the entire balance of {$1600.00} ( see attachment : CareCredit scheduled payoff XXXX ). 

I wish my XXXX office would have never tried to sell me on financing my procedure in the first place. I never asked for financial assistance and would have never agreed to a deferred interest product especially since my credit score is over 720. I only took the offer because I wanted to build my credit history for when I buy a home.

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 2017-06-10
Company: EQUIFAX, 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:
I cancelled my  XXXX  account and paid the final monthly bill many years ago. For reasons that still have never been explained, there were additional charges.  XXXX  decided I owed them money while I was living abroad and never once contacted me by mail, phone or email about a debt. I was horrified to see it on my credit report a year later and immediately paid so it would not further harm my ability to get approval for an apartment.  <P/> They agreed that because I had paid quickly and they had no record of phone or email correspondence that they would erase the notation from my credit reports. Instead, it remains on my credit report as a paid collection with all three bureaus -  XXXX , Equifax and  XXXX .  <P/> To add insult to injury,  XXXX  made a hard pull on my Equifax credit report i n 2015.  This was years after I had terminated my relationship.  XXXX  had no credible reason to view my account, and Equifax had no authorization to share it with them.  <P/> In recent months, I have had a credit card number stolen and multiple fraudulent inquiries and mailing addresses added to my credit reports due to the clear attack of identity thieves. For all I know, this inquiry was due to someone stealing my credentials and trying to fraudulently open the account.  <P/>  XXXX  and the  XXXX  credit bureaus continue to report misinformation on the old account and, in Equifax 's case, the fraudulent inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: Residential Credit Solutions, Inc.
State: IN
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:
RCS FAILED  TO REPORT TO   XXXX   AS PROMISED IN FACT ACT )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: N26 Inc.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was denied from opening a checking account at N26 bank and was given no reason for that denial. I called why and ask and was not given a reason. Under the Fair Credit Reporting Act, banks are required to tell you why you've been denied a bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep getting phone calls on my landline. I tried calling them back and it is for someone else Someone I have not ever heard of. I told them that this is the wrong phone number and I do not know anyone of who they are trying to reach. Being told I will be taken off of their list, they still call. It is usually a robocall ( machine ) telling me to contact them. Well needless to say this happens a lot and I am getting sick of it. If I was put on the list so they do not call, why do they continue. I am not one to complain. But this is enough. I have had enough of turning around and going through the same scenerio. At least 5 times already have I spoken to someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a XXXX woman I previously just got fruaduatly inquirys taken off my credit and soon after more appeared some of the same ones, I have a XXXX XXXX XXXX who stole my identity and she have just been taken into custody as of X/XX/17 ... I ca n't even get out bed please help and remove these this is ruining me and I am so stressed behind this please help and remove these

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 2017-06-10
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am currently set up on an income sensitive repayment plan and have  XXXX  different loans with Nelnet.  XXXX  of my loans have monthly payment amounts that do n't even fully cover my interest which essentially make it impossible to payoff the debt.  <P/> My current payment plan is supposed to consist of making principal and interest payments so I think it should be illegal for them to purpose a payment plan that is not sufficient.  <P/> Here is a current example of what I am referring to. The balance due on  XXXX  of my loans is {$2700.00}, the interest rates 6.8 % which makes the daily interest {$0.00} per day. So 30 days of interest would be {$15.00} a month. My monthly payment for that particular loan is {$14.00}. That means that every month I am having {$1.00} added back onto my loan in unpaid interest.  <P/> I know the CFPB governs banks and makes them explain things to customers so I do n't know why student loan companies are n't required to do the same. I think they should be required to provide some sort of educational component like credit cards do now that outlines how much interest you will pay by only making the minimum payment and then give you an example of how much interest you would save by making additional payments.  <P/> My loans were disbursed between   XX/XX/XXXX  and  XX/XX/XXXX  a nd I have been paying on them since  XX/XX/XXXX . The interest rates on most of them are 2.32 % and I have a few that are 6.8 %. The total of my loans came to {$17000.00} and over the course of my payments I have paid {$13000.00} and only {$7200.00} of that has been applied to my principal balance. The remaining {$6300.00} has all been applied to interest ( with the exception of {$13.00} in f ees ).   <P/> I am also curious to know who monitors how these companies apply their payments and exactly how they are allocated.  <P/> The statements they send do not show that detailed information and online it just shows a total of how much was paid in interest and how much in principal.  <P/> I have no clue what this company is doing with my monthly payments. I have always paid more than my minimum monthly payment each time I have been set up in a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In late XX/XX/XXXX, I opened a HELOC with Pentagon Federal Credit Union ( Penfed ). The loan was to receive a promotional interest rate of 3.25 % on any balance drawn prior to XX/XX/XXXX. My loan closed on/around XX/XX/XXXX and I drew funds prior to the end of the year to take advantage of the promotional rate. 

In XX/XX/XXXX, I received my first mortgage statement for this loan and it showed the interest rate ( and associated interest charges ) at the standard ( non-promotional ) rate of 5.25 %. I called the Penfed loan servicing department and explained my concerns and they acknowledged the discrepancy as a " known issue '' impact many accounts and that they were working on a system fix. I was told that my account would be corrected and the XXXX payment would be re-calculated at the correct interest rate. 

A month later when I received my XXXX loan statement, it was still showing the incorrect interest rate and there was nothing done to retroactively fix the XXXX payment. Once again I called the servicing department and expressed my concern. As before, I was informed that a system fix was still in the works and that my account would be fixed shortly. Later that day, a customer service manager left me a voicemail confirming receipt of my call and her exact message stated that my account would be fixed and online account activity updated to show the correction no later than Friday, XX/XX/XXXX. 

On Monday, XX/XX/XXXX, I logged into my account to find that it still had no been fixed, despite the promise that was made to me a week earlier. I submitted a secure message to Penfed indicating that they had until Friday, XX/XX/XXXX to fix my account or I would be filing a formal complaint with the CFPB for deceptive customer acquisition practices by offering promotional interest rates and then failing to abide by those terms. I received absolutely no response from this company nor has anything been done to rectify my account. 

This is a complete misrepresentation on behalf of Penfed and the exact definition of bait and switch.

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 2017-06-10
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am a XXXX person w/ no transportation available. Three weeks ago I tried accessing my TD Bank account on line, and the security question was " What high school I had attended and I gave the lady processing my new account the answer, however i do n't know if she typed it with caps or without and two words or one word, the result is that after having tried three times the account was locked. I called the Toll free number on the screen XXXX. After reviewing the account the agent told me that because the account was totally freeze I had to go to a branch to get it unlocked. On XX/XX/XXXX I was able to get a ride and went to the branch located at XXXX XXXX XXXX XXXX , XXXX, FL XXXX. The lady was very nice, I gave her my ID, SS and account number, ad to my surprised, She told me she had to call to get the account unlocked, EXACTLY THE SAME THING THAT I HAD DONE THREE WEEKS EARLIER. They kept us waiting for half an hour and I suggested that since she had already verified my identity, that she handle the rest of the unlocking of the account, I was told she could not do that and I informed her that I could not wait there forever since my ride was waiting outside. Today XXXX XXXX aT XXXX I called the toll free number and asked to speak to a supervisor, I was kept waiting for over 15 minutes and XXXX ID no XXXX and to my surprised, she gave me the same answer, that there was nothing she could do over the phone and that I had to go the branch. HERE IS WHAT NEED YOUR AGENCY TO ADDRESS : 1 ) SINCE I AM A XX/XX/XXXX PERSON ( XXXX YRS OLD ) UNDER THE AMERICANS WITH DISABILITY ACT, TD BANK IS IN VIOLATION OF MY RIGHTS 2 ) THE BANK HAS FAILED TO ADDRESS THIS PROBLEM AND AS A RESULT I STILL HAVE NO ACCESS TO MY ACCOUNT, STATEMENTS AND TRANSACTION LEDGERS. 3 ) THE BANK NEEDS TO PUT IN PLACE A SYSTEM IN PLACE THAT ADDRESSES THE NEED OF XXXX PEOPLE. 4 ) INSTRUCT TD BANK OF THE VIOLATION AND TO ADDRESS THIS PROBLEM WITHOUT MORE DELAY, EVEN IF ONE OF THEIR EMPLOYEES AT THE BRANCH HAS TO COME TO MY HOUSE TO DRIVE ME TO THE BANK. I HOPE THAT YOU ADDRESS THIS VIOLATION AS SOON AS POSSIBLE AND MAKE THE TD BANK ACCOUNTABLE FOR THEIR ACTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: Experian Information Solutions Inc.
State: FL
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:
The information regarding XXXX XXXX for the Installment Loans has the payment history incorrect. I have filed forbearance in the past to ensure that my payment history was not impacted. During the alleged late payments, I was experiencing great financial and living hardships. I was homeless for so many years and did not start to get back on my feet until the last 8 months. I had no shelter to live in and finances were tough to come by and I had already submitted a request to have this information removed from my payment history. The company did not send me anything in writing stating if this has been full removed and updated internally as well as with the 3 credit bureaus. Please get my history updated to reflect as on time 100 % payment history. I should not be penalized for not always having access to my account and for not being able to keep up with payments, when it should have been under hardship forbearances, due to my inability to make ends meet. Since I been back on my feet, I have proven and shown that I can maintain exceptional payment history. 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 2017-06-10
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Someone who always responded to the cfpb through the United States Department of Treasury had never mentioned  XXXX  on the response letter which always showed some signs of forged power of attorney. Someone always claimed to be a senior corresponden t specialist. What a specialist? As a reminder, the answer to the complaint portal questionaire " Should we send status updates to anyone else about this complaint? '' is no. But I noticed that a diversion trick is in place which already disparaged the server to " Yes ''. I suspect foul play at the US senate intelligence committee or USDOJ or another intelligence agency which is rigging unidentified interest by evasion. And again., " I do not  think so ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America closed my minor daughter account without notifying me by email, phone or mail. My daughter receives back pay from SSI and is required by law to have an open account. Bank of America knew this and still didnt give me a reason on why my daughter account was closed. Now they want me to go into a Bank of America office and speak to a specialist about re-opening the savings account. I want to know why was it closed without any form of communication?

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 2020-12-13
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 status incorrect

Complaint:
Looking over my credit report I noticed there was a late payment showing and due to the pandemic/hardship I was not able to make those payments on time. The following account that shows late payment for XX/XX/2020 XX/XX/2020 XXXX XXXX XXXX XXXX # XXXX. Due to the Pandemic shutdown I was effected financially.

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