BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2015, someone deposited ( not me ) XXXX bad checks into my account and also took the money out. I did n't notice my card was missing until the next morning and did n't discover any of this until I tried to use my card. If you look over the history of my account, I usually pay bills then pull money out ( overdrawing it ) until my next pay check. I do n't deposit bad checks. The activity on the account is not usual. I do get emails and text messages for unusual activity however ; I did n't get any text messages. I did get an email but I did not check them because I did n't have much power on my phone. That day all of this was going on, my lights were off. I made arrangements with the cash I had on me and was scheduled to make a payment on XXXX/XXXX/2015. Because of all of this my lights are off, I have a payroll check that I ca n't get any access too and I have XXXX kids. I have filed a police report and possible names of people who could have possible done something to my account. I have cooperated as much as I can and I have no assistance. My account is about to be closed for something that I have not done and I need my money to take care of my kids. Please help me fix this problem quickly. More importantly, help me get my lights back on TODAY. They have been off since Monday since I did n't keep my arrangement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-17
Company: EQUIFAX, INC.
State: NY
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:
IVE WRITTEN THE CREDIT BUREAUS 3 TIMES AND THEY HAVENT FIXED THIS ERROR XXXX, XXXX, EQUIFAX ARE BREAKING THE LAW UNDER Under 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I completed paperwork to finalize a deed in lieu with Select Portfolio Servicing XX/XX/2016. regarding the property located at XXXX XXXX XXXX , XXXX Georgia XXXX. I requested a copy of the deed in lieu documents I signed XX/XX/XXXX and was told by XXXX XXXX of XXXX ( the third party used by Select Portfolio ) that I could not have a copy but I could take a picture of the documents. I then requested a copy of my signed deed in lieu documents from S.P.S but never received them. Instead, I was told that I will receive a copy of them after everything is completed. I am still waiting on the final walk through of the property. Select Portfolio said an inspector came by the property and and deemed some one was living in it. In the past, I had people to oversee and watch out for the property to keep it from being vandalized. I have removed any and all security measures as having a parked car in the driveway and a sign on the fence to give the appearance that some one is living there. I will not be responsible for any damage to this property. I still had to have some one come around to maintain the yard etc. If not, I will receive a fine from the county. This puts me in a slight dilema because S.P.S said no one should be in or around the property. If the person is there to cut the grass, pick up trash or perform a safety check is that allowed? The final walk through needs to be done ASAP because the XXXX lien approval expires XX/XX/2016. This will be the 3rd time the XXXX lien approval has expired. I have requested the name of the 3rd party company who will contact me for the final walk through. Today I was told that I do not need to be contacted or present for the final walk through. ( by XXXX XXXX ext XXXX. Which one is correct? Will I or will I not be contacted regarding a final walk through?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
For some unknown reasons, Bank of America closed all of my accounts like checking, saving, and credit accounts. I tried to contact some banking representatives but they explained that my accounts was closed for " business decision '' and they ca n't give any further information. I just need to know what I did wrong so that I can avoid in future banking

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Here we go again, i notice that quicken loans does not respond, i think have them busted, they send me a e-mail on a XXXX escrow fee returned to me, i have canceled with them three times on ( ihave faxed them on this once already ) thier e-mail, they will not respond, this, and i have already responeded to this, i get if i respond they will figure my account is open for application agains, i cancelled it 3 times, i will not respond anymore for they are tricking, i take back all the good i said about Quickenloans, they are preditors and just will do anthing to make things tough to refi to, buy the way they have me at 4.75 % apr XXXX 30 fixed never was told that i had to trick them into getting that, yes another loan co has gone to the sewer, Beware of Quicken, the salespeople lie, the ask you for repetitivve info, and they trick you, if you respond they will consider you account open, imagime i have only have had 10 days with these XXXX, yes Quicken you are a buily, Imagine what thier customer service is like compared to thier bully tactics in your loan.I take back all positive on you, you are a preditor and i will not comply to your bull, i will not sign any dos with your and i dare you to charge me, be warned all of internet lender!!!!!!! Once agian I have cancelled 3 times and they continue to send me all these things, probably to just get an account, Quicken loans I complimented you, but as far as i am concern you are XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!! leave me alone, your salepeople lie and you put people thru XXXX for your stupid loan, you rip off people and do not give them the real deal, i tricked you today and got it,XXXX pages, i was only sent XXXX when i applied, i hope someone out there is sick of your practice, after all its all over consumers affair, i suggest all/they keep avioding my complaints i wonder why? after all they managed to steal A+ on the XXXX.AS you continue to plague me i will never stop thank burea u, i hope a lawyer or someone with power puts them out. 
you read it, and you will not make my mistake, i know you will lie on this, thats how preditors work/oh i have XXXX % equity and they still are billing on top of thos a point, never told sales people lie!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Pay Pal Credit issued a fraudulent credit card in my name that experienced more than {$1500.00} in charges, yet I only learned this after seeing their ( fraudulent ) Credit Inquiry on my XXXX Credit Report. The Consumer Financial Protection Bureau ( CFPB ) facilitated my request last year ( case number ending in XXXX ) that fraud be acknowledged, the account closed, and the XXXX inquiry be removed. 
Although Pay Pal Credit and their legal counsel mailed letters to my home with a promise to remove the Credit Inquiry, they failed to do this. Credit Reports have been pulled twice and XXXX insists Pay Pal Credit must submit a request directly to them. Pay Pal will not provide written evidence to me, nor resubmit their electronic request to XXXX. Instead, they insist I file " another official complaint '' to a XXXX address. 
I did not initiate a request for credit with them and am uncertain of information originally used to commit the fraud.I find it unreasonable to ask someone with no prior established-business relationship to submit sensitive personal information ( such as SS # and date of birth ) to a XXXX XXXX. 

Instead, I am again requesting CFPB assist in the removal of their fraudulent Credit Inquiry, negatively affecting my XXXX credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-17
Company: Experian Information Solutions Inc.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
have no idea why my score dropped 31 points from experion score. i am in the procces of getting a refi on my home company did credit check but i know why my score droped 31 point i pay all my bills on time i know you take slight hit on your credit when company pulls up credit but not 31 points maybe 1 or 2 points down?? please re investigate credit score again and please notify about this problem

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 2015-03-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
After looking at my credit report, I saw a collection account that does not belong to me. I am not allowed to dispute this information online on Experian or over the phone making it impossible for me. This false information is ruining my credit and knowing full well this people did not do their job and allow people to just post false accounts on my report. They need to delete this information immediately and do a proper investigation as this information is not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-02
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I moved out of my apartment and had a disputed balance owed. The company sent me the final amount owing and after negotiating we agreed on the amount owed. We also agreed on XXXX payments that would pay my account in full. After agreeing on the payment schedule they informed the credit bureau that I did n't pay in full. I have the letter that says it 's paid in full from them. They will not contact the bureau on my behalf and said its up to me to resolve. I have the emails that show I was waiting for an accounting of the balance owed before I paid. When they said I could pay in two payments I thought this as resolved. I told them how important my credit score was to me. Not sure what I can do to get this off my bureau?

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 2016-12-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Credit reporting institutions have false information about an account status that was paid off and account closed. When I reported here, the XXXX credit reporting institutions, namely ; XXXX, XXXX and Experian contacted the creditor, XXXX XXXX XXXX. Instead of correcting the account record, on XXXX/XXXX/2016, XXXX put my account into delinquency till a Law Firm I engaged complained XXXX improved the account on XXXX/XXXX/2016 but retained the delinquency record on my report in addition to reporting that I still owe XXXX whereas not. All the said XXXX credit reporting institutions still maintain this balance. This has caused me to suffered gross financial and investments loss which instance my Attorneys are handling. I have kindly attached my XXXX XXXX XXXX account as proof that I owe them no monies as of XXXX XXXX, 2016. XXXX should remove its delinquency report without much ado and all the XXXX credit reporting institutions should make the necessary corrections and indicate that the account was closed on XXXX XXXX, 2016 on payment in full of balance then.

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 2016-12-09
Company: DISCOVER BANK
State: NV
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have a loan through Discover. I 've always paid on time. Around six months ago, I had a problem with the automatic payment & it did n't go through, so I called & made the payment. they were going to have the late payment taken off & get back to me. They never did either. I called them again & they said they 'd do both-but never did. Then I accidentally made two payments in one month which I could n't afford & they said they 'd ckeck into getting one payment back to me & also reverse late payment charges & get back to me. They did get my one payment back to me but never reversed the late payments & once again did not get back to me. The late payment is increasing & I need help with this. Also for some reason my payment has increased slightly & this is in addition to the late fees. I spoke to them about this & they were going to fix it but never did.l

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-16
Company: Professional Finance Company, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A company called professional Finance Co, based out of Colorado has falsely reported that they are collecting a debt in my name in the amount of {$480.00} from XXXX XXXX XXXX. I believe this is a scam created to falsely make people think they owe money and try to scare people into paying. I have never had an account with any XXXX XXXX XXXX, nor ever received any communication from this bank, nor any communication from Professional Finance Co the collection agency regarding this matter, yet they reported this on my created report on XX/XX/2019. I have reached out to the agency in writing regarding the matter but never received anything back, I have filed a dispute with the credit bureaus but they did not correct the matter on my credit report. The CFPB should look into this scam as a quick XXXX search has yielded results where others are being scammed in a similar way as I.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
This issue is about Discover Extended Warranty service. I filed a claim on XXXX/XXXX/XXXX regarding my XXXX may need a battery replacement. I uploaded all the required documents and received first email back on XXXX/XXXX/XXXX asking me to upload repair estimate. On XXXX/XXXX/XXXX, the representative, XXXX XXXX XXXX, called me to tell me my case was rejected with extremely rude attitude. She stated that warranty terms " This Warranty does not apply : ( a ) to consumable parts, such as batteries or protective coatings that are designed to diminish over time, unless failure has occurred due to a defect in materials or workmanship '' ( Please see the attachment - XXXX 1 year warranty ). Also, please see attachment XXXX -iPhone Battery & Power XXXX Official XXXX Support, " Our warranty covers a defective battery, but it does n't cover wear from normal use. If you 're covered under warranty or AppleCare+, we 'll replace your battery at no charge if it retains less than XXXX percent of its original capacity. '' Clearly, XXXX is not responsible for normal use battery, but is responsible for defective battery, which means less than 80 % capacity. Therefore, my case should be eligible for replacement under warranty at no charge. Also, Discover has its extended warranty can extend the original warranty one more year. which means Discover is responsible for this claim. However, XXXX XXXX XXXX insisted " the battery is not covered by warranty '' but she did n't notice the sentence " unless unless failure has occurred due to a defect in materials or workmanship. '' One more thing to mention, my iphone has been inspected and replaced a battery in XXXX of XXXX stores. According to their policy, they only changed " defective '' battery ( less than 80 % ), even if you want to pay by yourself. If your battery is good, they wo n't replace it. If your battery is defective, it 's free to get replaced under warranty and {$79.00} for out of warranty. 

I am writing this letter to see if I can get any positive feedback from Discover because XXXX XXXX XXXX was not willing to talk, explain, and listen to me. I felt extremely disrespected today. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed the infomration on credit report regarding XXXX XXXX XXXX times with Experian credit reporting - the 7 year statute of limitations has expired. Yet, Experian will not remove. They have consistently continued to respond with a statement that the account was updated and left it on the credit report. Additionally, XXXX XXXX continues to submit the same infomation to Experian on a monthly basis ( last date of submission XXXX/XXXX/2016 ).

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 2016-01-22
Company: DISCOVER BANK
State: UT
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I was recently divorced and assumed full liability for a joint Discover Card account that my ex-wife and I have. I am the petitioner and the divorce decree states that " The petitioner will assume and pay and hold the respondent harmless '' for the Discover Card and other joint debts. I called Discover to ask them to remove her from the account, which still has a balance and they refused. They offered to establish a new account in my name but they would not transfer the balance from the joint account. The balance is reported monthly to the credit bureaus for both my ex-wife and I, and thus it shows my former wife is liable for the balance when in fact she is not. How can this be acceptable under the Fair Credit Reporting Act where it requires creditors to report accurate information? If my ex-wife is legally not responsible for the debt, then why can Discover, and other creditors, continue to report it as such?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have contacted Rent Recovery by certified mail they have accounts for the same amount on my credit twice. I have no knowledge of this debt and asked for it to be removed. XXXX is on my credit report twice I asked for both accounts to be removed it is no my account and it is past the limitations for the state of Georgia. They also have a XXXX listed that I have no knowledge of the failed to respond to my letter. I will take legal action if this is not corrected I will enclose the proof and that it is on my report twice for the same amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
CitiCards ( MasterCard ) has failed to respond to -- or even to acknowledge -- my XXXX XXXX, 2016 letter, concerning my being charged {$300.00} TWICE for a single XXXX.

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 2021-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice congress said ANY card. The credit card is my social security card. This is the credit card used to originate every consumer transaction listed below. They should all be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a VIOLATION of my rights as a federally protected consumer under title 15 chapter 41.

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