BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-15
Company: CITIBANK, N.A.
State: CA
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've recently checked my credit report with XXXX, XXXX, and XXXX, and in my amazement, I found an account that I did not open. I am a victim of identity theft and Macy 's / DSNB account ( acc no : XXXX ) is a fraudulent account. I submitted the FTC Identity Theft Report to the credit reporting agencies and they deleted the fraudulent account. But XXXX reinserted the fraudulent Macy's/DSNB account back to my credit report without sending me any note or letter.

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 2015-12-10
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Caliber Home Loans holds my mortgage. In XXXX 2015, they overpaid my state and local property taxes, resulting in an account deficit, and have for months refused to issue the appropriate refund. Due to Caliber 's error I have lost accrued interest and now my escrow amount due was recently increased to my detriment and through no fault of my own. See this e-mail thread for a summary of the problem : Thanks, XXXX. I greatly appreciate your time. Please find a full accounting attached. Please note, that I pay taxes on the unit and the parking space separately, hence the XXXX line items. Respectfully, XXXX and the involved Caliber folks are mistaken. Please escalate this as you see fit. 
At closing, the following payments were made ( see attached HUD-1 ) : Closing - {$1700.00} of {$2500.00} annual tax assessment ( {$1200.00} due XXXX XXXX and {$1200.00} due XXXX XXXX ) Closing - {$190.00} of {$330.00} annual tax assessment ( {$160.00} due XXXX XXXX and {$160.00} due XXXX XXXX ) After closing, in total, I owed the county {$780.00} ( {$2500.00} - {$1700.00} ) and {$140.00} ( {$330.00} - {$190.00} ). 

Please note, that had I not paid taxes at settlement, Caliber 's payments would have been proper. Unfortunately, Caliber overpaid as follows ( see attached Caliber Escrow Report ). 

XXXX - {$1200.00} XXXX - {$160.00} Therefore, exclusive of lost earned interest, I am owed a refund of : {$480.00} ( {$1200.00} - {$780.00} ) and {$21.00} ( {$160.00} - {$140.00} ) Moreover, according to the online Caliber portal, Caliber intends to distribute even more funds in XXXX ( see attached Caliber Escrow Report ). 
Thanks XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a credit card from Bank of America. They have been my bank for over 20 years. They collect over $  XXXX  in deposits from me annually. I have over a  XXXX   credit score. I saw many reviews online of people being approved for this same card with lower credit scores. I am not sure why they denied me and the reasons they gave were really bogus. I personally think my denial was discriminatory and may involve some " new school red lining ''. I feel my denial is a clear violation of the Community   Reinvestment Act. Ba nk of America is taking my money and deposits but is refusing to give me access to credit. I will most likely close my checking account, however this is wrong. 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 2022-06-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was informed by bank that my account was being acquired by Citizens Bank, and I was fine with the transition. After the account was set up with Citizen, I inquired and found out that there would be a monthly recurring charge. This was not disclosed when I was informed of the transition. I asked Citizens to close the account and refund my balance in XX/XX/2022 via check. I followed up two weeks later and there was no change. I again made the request. About a week later, I see online that it was closed. About 3 weeks later, I had not received my refund. I followed up and was advised by an agent via chat that could not provide a status on my refund. I asked that the matter be escalated. I was told that it would be directed to the Chairman 's Office and I would get a phone call in 2 business days. It's about a week and a half later and no one has contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
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: Account status incorrect

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 a 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 explanation
Consumer complaint received 2015-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I have attempted to set up an auto payment on my credit card through the bank of America at least XXXX times over the past two years. I finally set up a minimum payment auto pay for {$130.00} monthly for one year via phone payment center ; I set up alerts on my online account and was never notified that the minimum payment set up given to me was not the correct amount due ; I have been charged a late fee for several months and despite calling in my payments, I am still being charged late fees. I believe the web auto pay is set up to make if impossible to use, the phone system is apparently worse, I have been deceived about the amounts due for my minimum payment ; I have been restricted from using the on line billing auto payment and I believe this is all done to defraud consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
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:
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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I Just needed to update my credit file for removing unverified accounts that I do no recognize.I have been going over my credit report trying to refinance my home. I noticed accounts that I have never done business with and I do not have a contract for business with. I was told to file a report and contact the CFPB AND FTC. The following accounts are not mine : XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # 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 2020-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX XXXX XXXX is reporting a monthly payment for a charged off account on my TransUnion credit report Please verify and delete all inaccurate accounts

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 2015-10-26
Company: Hollis Cobb Associates
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This account is not owned by me ; I have never had any services from this care provider and therefore owe no balance as stated in my credit files. Please provide me with relevant information that you are using to validate this account such as ID used to open this account ; when and where this account was opened ; signatures etc.,

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: Servis One, Inc., Titusville, PA Branch
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my mortgage with BSI Financial and they keep adding additional cost added to my bill that BSI financial wo n't explain what they are. I was told that my attorney would explain it to me. I have called on different occasions. I have been told different excuses but no explanation. This is the fourth time I have experienced this. What are they doing " Loan sharking '' thinking folks are XXXX or are they trying to bring on a late platform to keep reporting late payments so you ca n't rid yourself of them by refinancing? They are constantly reporting my payments as late since this refinance has taking place. The additional fees are giving them the opportunity to do 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 2015-11-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I took my family on vacation to the beach in XX/XX/XXXX. We booked a room on XXXX on XXXX/XXXX/2015. The Business was called XXXX. The hotel had electrical problems and room smell of what we learned later was sprayed lacquer and was very filthy. It was not safe to stay in. We were force to immediately check out. The hotel was very rude and aggressive. I was with my wife and small children so we left. I immediately called my bank and disputed the transaction. Chase Bank has refused to honor the dispute even after they sent me a letter saying the dispute was final and I was not responsible for the charge on XXXX/XXXX/2015. I have the letter. Then a month later they sent me a letter on XXXX/XXXX/2015 that they were taking the money out of my account. I feel that Chase owes me the {$520.00} the hotel fraudulent charged me. Chase agreed with me and after 4 months the reversed my dispute and stole my money out of my account. This is theft they already sided with me. Now Chase refuses to help me. They are my bank and I have complete protection from this and they still refuse to assist. Banks are stealing from poor people. I had the transaction ran as a XXXX transaction. I attached the documents they sent me and my bank statement to show I had to book a new hotel and I did n't stay in XXXX XXXX where the XXXX is located. We were forced to book a new hotel is XXXX. You can see the transactions on my statement. to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am writing to inform you of the difficulty I have endured by refinancing with XXXX XXXX, who was seized by the Federal govt in XXXX. I refinanced on XXXX XXXX, XXXX with XXXX XXXX. They were shut down in XXXX XXXX by the Federal govt. My mortgage was transferred to Loan Care Servicing in Virginia. I have been asking for a copy of my title insurance since XXXX, which over {$3500.00} was included in my contract. I 've found monetary discrepancies & fallacies in my mortgage contract along with exorbitant charges through having a Forensic Audit done. The mortgage contract claims to be a fixed rate but in actuality is a variable rate. This is supposed to be an FHA loan but I can find no record of it. I 've contacted the Title agency, and the lawyer of record, XXXX XXXX, XXXX. but neither to date has responded to me. I truly believe there was not ever an insurance title, and the charges stated in the mortgage are fraudulent. We have been requesting that the servicer do a restructuring of the loan, especially when my spouse faced hardship in XXXX when he was laid off. A Forbearance was granted for 6 mos, after that, they requested all monies totaling {$15000.00}, they claimed was owed, even though they told us if we met the Forbearance, they would grant a modification. We are not trying to get a free ride but want someone to address what we feel is fraud. We have recently received letters not only from Loan Care, saying they own the Note, but also from XXXX XXXX, who says they own the Note from Loan Care. We have checked our county records and find that many illegal assignments have been recorded in the XXXX XXXX clerks office. Also, new title insurance policies have been issued in the state of Virginia and in the state of XXXX, TX. The loan number has been changed on three occasions throughout the the loan. We 've tried to seek justice by hiring at least XXXX law firms but we were simply taken for a ride and our money. We were reimbursed a portion by the Federal Trade Commission. Now, even though we have recently spoken to XXXX XXXX, who claims they hold the Note, we 've received a Notice of Acquisition from the XXXX Law firm representing Loan Care, saying we are in foreclosure and threaten to hand over the Title ( what title?! ) to HUD, who will in turn hand it over to Loan Care. We pray you will investigate this matter of fraudulent and unscrupulous acts from taking place and preventing these entities from unlawfully seizing our property without legal assignment of Note, Principal disclosed, issuance of our Homeowner 's Title policy in mortgage, and explanation of exorbitant charges in mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Creditor : These items belong to someone else with a similar name. XXXX XXXX XXXX, date-XX/XX/XXXX, acc-XXXX, bal- {$160.00}, XXXX  XXXX XXXX , date-XX/XX/XXXX, acc-XXXX, bal- {$0.00}, XXXX XXXX XXXX date-XX/XX/XXXX, acc-XXXX, bal- {$0.00}, XXXX XXXX, date-XX/XX/XXXX , accXXXX, bal- {$0.00}, XXXX XXXX, date-XX/XX/XXXX , accXXXX, bal- {$0.00}, XXXX XXXX XXXX, date-XX/XX/XXXX , accXXXX XXXX bal- {$540.00}, XXXX XXXX, date-XX/XX/XXXX, acc-XXXX XXXX bal- {$20000.00}, XXXX XXXX, dateXXXX, acc-XXXX, bal- {$640.00}, XXXX XXXX, date-XX/XX/XXXX, acc-XXXX, bal- {$1300.00}, XXXX XXXX XXXX XXXX, date-XX/XX/XXXX, acc-XXXX, XXXX  XXXX XXXX , date-XXXX, accXXXX, bal- {$460.00} , XXXX XXXX XXXX date-XXXX, acc-XXXX, bal- {$0.00} , XXXX XXXX XXXX, date-XX/XX/XXXX, acc-XXXX, bal- {$0.00} , XXXX XXXX, date-XXXX, acc-XXXX, bal- {$680.00}, XXXX XXXX , date-XX/XX/XXXX, acc-XXXX, bal- {$0.00}, XXXX XXXX  , date-XX/XX/XXXX, accXXXX, bal- {$680.00}, XXXX XXXX, date-XX/XX/XXXX , acc-XXXX, bal- {$0.00}, XXXX XXXX, date-XX/XX/XXXX , acc-XXXX, bal- {$0.00}, Us Dept. Of Education, date-XXXX, acc-XXXX, bal- {$32000.00}, Us Dept. Of Education, XXXX, acc-XXXX, bal- {$6.00}

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 2022-02-23
Company: Experian Information Solutions Inc.
State: PR
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:
Since XXXX I have been trying to get a credit report only to be informed that I did not exist in any of the three credit reporting agencies systems. This was understandable considering that I have never used credit at all and never plan on doing so. 
I was advised that I had to create a credit report by visiting one of the three agencies to present a valid identification to establish an account in my name for credit reporting purposes only, which I did. Next, I received a credit report from Experian. The office that I visited and presented my Passport, Birth certificate, Social Security card, a Drivers license and a current utility bill to establish my physical address was XXXX. 
The clerk was only interested in the Drivers License. When I received a copy of my first ever credit report, I immediately noticed that the report contained someone else 's information as to their name, addresses and employment history. Next, I checked the other two agencies and discovered that all three reports were exactly the same! 
I assumed that this was merely a clerical error by the otherwise preoccupied data entry clerk that I visited. Naturally I requested a correction, as it apparently matters. At age XXXX I applied for a carry permit at the local police station, where I have actually lived since leaving the military after returning from XXXX in XXXX, only to be detained due to an active warrant for my arrest due to a background check that brought up one of the names that these agencies had placed in my newly created report. 
Luckily, after being finger printed the police informed me that I was not the person that the warrant was looking for, as the prints did not match and I have no criminal history at all!!! SO, THIS IS A SERIOUS SITUATION. The police advised me to get this corrected or I will continue to have problems in the future. These reports can be very damaging and expensive to correct if you are lucky enough to get these agencies to correct the problem as they are very reluctant to cooperate while responsible as well as libelous for any adverse actions suffered by anyone based on incorrect information in these reports. I have been continuously attempting to have all three credit agencies correct my report by sending valid photo identification to no avail. CAN SOMEONE PLEASE HELP 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 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
in accordance with the Fair Credit Reporting act XX/XX/XXXX Accounts,XX/XX/XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ), Bank XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) have 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 a account without my written instructions Inquiries that I did not authorize : XXXX XXXX : Requested on XX/XX/XXXX & XX/XX/XXXX Bank XXXX XXXX : requested on XX/XX/XXXX XXXX XXXX XXXX : requested on XX/XX/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 2015-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am a victim of identity theft. My personal information was stolen and used to open a credit account with Bank of America. I never received any billing statements or was aware of this accounts existence until I checked my credit report. I immediately notified Bank of America the account was not mine and I am a victim of identity theft. I also notified the police and filed an identity theft report and reported the theft. I filed with the Federal Trade Commission my ID Theft and when Bank of America sent my documents, the billing address did n't even match mine nor the name of the account. Bank of America continuously calls and tries to collect on this credit account that is n't mine and is a result of ID theft. They also are reporting this fraudulent account that they are aware of that is fraudulent to the credit bureaus and has verified it when I disputed it.

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