BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I applied for an account on XX/XX/2020 using the Bank of America website around lunch time at XXXX XXXX. I received an email shortly after explaining that the application would be reviewed and they would notify me if accepted. Approximately 30 minutes later I received another email stating. " Great news! We opened the following account ( XXXX ) for you : Bank of America Advantage SafeBalance Banking Account Bank of America Advantage Savings ''. 
Being happy that I had a new account that I could use I began transferring funds into the account. One transfer was from another Bank Account in the amount of {$77.00}. The second transfer was from using the Mobile App, in which i used to Mobile deposit a check in the amount of {$75.00}. 
I went into a Bank of America branch between around XXXX to deposit cash and receive a temporary debit card. I was told that temporary cards didn't exist and that I needed to wait for it in the mail. So I left confused and went home and called Bank of America directly for assistance. I explained to the Bank of America employee that I was very displeased that they did not offer temporary cards and that I was confused that I couldn't obtain my funds unless I waited a week for my card to arrive. The employee on the phone then explained to me that the clerks at the actual branch should have informed that that I was able to retrieve my funds from the ATM. I expressed my frustration and, the employee agreed with me, and I got off the phone. 
About 5 minutes after I got off the phone I went to check the Mobile App just to see if my transfers had completed, and to my surprise, my account no longer existed. 
I called Bank of America back regarding the issue and was promptly told that Bank of America reserves the right to no longer do business with whoever they please according to their Policies. They also explained that Bank of America stated no reason for Closing the account. I then inquired about the money that I had already put into their bank and they said I could have it back in 10 business days. 

Why can Bank of America withhold someones assets and possibly profit from that money? Why can Bank of America approve, and close an account in the time frame of 4 and half hours? Especially with no cause or reason.

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 2019-11-24
Company: Razor Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Razor Capital is trying to collect a debt that is not mine. They have filed a lawsuit against me. They are trying to collect on a debt that was an identity theft issue. Report was filled with the FTC about the issue. I have not been able to file a police report because they want an original letter from the company saying this debt is mine. I have no idea who the original company is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
For roughly 5 months I have noticed that there has been an incorrct credit report in regards to an auto loan I had taken with XXXX XXXX XXXX in XXXX. Whenever I made a payment it would not reflect on my credit score, therefore stating that i owe more than what i did. On my credit report it would also state that the last update was done sometime in XXXX XXXX. Approximately 2 weeks ago, I had called XXXX in regards to this issue and they made no efforts to resolve this issue. It has bought my credit score extremely low, and other creditors have lowered my credit card limit because of my credit score. My credit score currently says I owe XXXX. But my account balance with my bank says I owe XXXX which is the correct amount. I would really appreciate an investigation on this matter. 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 2016-09-20
Company: Recovery One, LLC
State: AR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX ky payed a log book ticket after they fired me then sent the amount to a collection company this company really owes me never pay ed me what they owed me they the collection agency is reportng this to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
To whom it concerns, previously I attempted to communicate with your reps and a supervisor by the name of MS. XXXX. And show my willingness to resolve and dispute this matter for which she refused and acted in a unprofessional manner and at the standard for which management from Sunrise Credit Services should. I try to let her know that matter under dispute is incorrect and should refrain back to XXXX but she instead raised her voice and made me feel unwelcome and somehow intimidated but she was laser focus in not letting me talk and I never expected from a manager to have such a low level of conduct, unprofessional and undesired behavior ..mostly I challenge her ability to handle any accounts at this point because of ms. XXXX is not able to control her emotions and lose control of the call her quick by intimidating others ( clients ) I hope my feedback can be somehow helpful because of ms. XXXX does not realize that her behavior can possibly will cause future lawsuit and complaints and damage the Sunrise Credit Services credibility and collection practices

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 2017-07-20
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I called because I knew I was going to be running behind and have trouble getting caught up with the one delinquent payment. Kia Motor Finance agreed to extend one payment to the end of the loan. I paid a fee on the phone and they sent an agreement to be signed and returned. The agreement was mailed on XX/XX/XXXX. I received it XX/XX/XXXX. My husband and I both signed it and returned it by both fax and email on XX/XX/XXXX. It was never applied. I have continued to make payments believing they were timely based on one payment being moved to the end of the loan. On XX/XX/XXXX, I had also asked that my cell phone not receive dialer calls and advised that manual calls were acceptable. I never received communication that my extension was not applied. I applied for a license for my business and it shows a delinquent credit bureau reporting and that was is late on the credit bureau is the amount of the late charges on the account, not a full payment. It is my understanding that late charges can not be reported as delinquent on a credit report, only actual payments. They did begin to also call me again on my cell phone by dialer. I called them earlier this evening and spoke with XXXX, XXXX, who has now removed my number. She said they had received the documents but had not called or sent a letter that it was closed prior to my receiving the extension and they would not honor the extension and as it had been closed, again prior to my receiving the letter. Attached below is the copy that I had also emailed to myself for records and the email time stamped at XXXX XXXX. I sent it as soon as I was able to at work that day. I request the late charges be removed, the credit corrected and the extension applied to my account effective XX/XX/XXXX when the documents were returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: EQUIFAX, INC.
State: WA
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:
On XXXX XXXX XXXX we went on XXXX to receive XXXX credit score, which was at XXXX with Equifax and higher with XXXX and XXXX, so that we could go and apply for a home equity loan at XXXX XXXX XXXX to consolidate some bills and do some repairs and updates on our house. We went to XXXX XXXX XXXX and applied for the home equity loan on XXXX XXXX XXXX. We got a call from the credit union on XXXX XXXX, saying that our credit score had come from Equifax at XXXX, which was too low and they could not do the loan. We then got on XXXX and got XXXX XXXX credit reports. After receiving the reports we decided to go to equifax.com and pay {$7.00} for XXXX credit score directly from them, which was also at XXXX, which was the same value as XXXX showed. XXXX XXXX XXXX says that Equifax gave them our FICO score, which was at XXXX and is different. So we went on Equfax again and paid {$14.00} for the FICO score, once I found the link, and it says XXXX but doesnt really give a reason why since youre looking at the same credit report as youre looking at for the other number. My issue is this : If Equifax is giving out a fifty-point lower number to places that we are trying to do business with than they are giving to us, ( presumably so that we can fix it ), what was the point of all the legislature forcing them to be transparent?? This is not transparent. They are still trying to hide what they are doing. We spent months trying to raise our credit scores, like they tell us we need to do, successfully, and then they send a different score that is much lower? How can this be right??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have reported to the FTC and The XXXX XXXX Sheriff 's Department our Local Police Bureau that I am a victim of True Name Identity Theft. 

This started back in 2014 when I discovered that I had multiple XXXX XXXX XXXX and XXXX Bank accounts opened in my name without my consent or authorization. 

XXXX  XXXX XXXX determined it was internal fraud and sent me letters claiming liability. I reported to XXXX these were not mine, and they did not investigate and I sued them and we settled. 

I have reported to XXXX, XXXX, and Experian that I am a victim. I have sent police reports. I have sent victim statements. FTC Reports. I have disputed, numerous times. I have called and I hire an attorney to work on this as well. 

I have over 60 inquiries that are not mine. I have done all I can do. My next step is a lawsuit. Not one of these companies has investigated my Identity Theft and yes minimal accounts have been removed AFTER we filed an intent to sue. I need answers and I need them now.

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 2022-06-15
Company: EQUIFAX, INC.
State: CA
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 XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the rights 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 2022-06-15
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: Account information incorrect

Complaint:
XXXX is mistakenly reporting me late in 2021. I made my payments satisfactory this year and I kindly ask the bureaus or CFPB or XXXX to remove this late payment in good faith. I have attached a copy of my bank statements showing payment made to XXXX and proof of my title.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Citibank N.A. issued a refund check on XX/XX/2018 for {$600.00} due to flaws in their methodology. They failed to review my account and issued a retroactive check. I called 6 times and I could not get an answer to the following questions : 1 ) What APR was used to issued the refund? 

2 ) Why has my APR not been lowered, currently at XXXX % The letter clearly states " Please note that Citibank NA has corrected the APR on your account '' I honestly believe Citibank continues to be in violation of Regulation Z, plus they are also not disclosing the APR used to calculate the refund.

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 2020-01-10
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX 2019. {$600.00}, {$100.00}, {$61.00}, {$33.00}. Advance Financal over charges to use the money everyday. Charge 2791/2 high interest rate. Going to stop electronic payments by XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My Bank of America Travel Rewards Credit Card is set up to automatically pay the full due amount every month. It deducted the amount fine last month but apparently did not deduct the amount due this month on XXXX XXXX,2017. Because of this, I have been trying to call BofA to both pay the bill and to get the late fees removed. I should not have to pay late fees because the bank failed to process payment even though it is set up automatically to do so. Bank of America has one of the worst online banking websites I have ever used. I just want to add that. I have been calling and using chat to try and get these issues resolved. I have to say Bank of America has some of the most ineffective customer service personnel as well. I have finally had to resort to using CFPB complaint form as a way to get heard and to hopefully resolve this!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-28
Company: CCS Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Collections Services are sending me letters to pay a dept that I do not owe ; Pin # XXXX I do not know this company I do not have a signed contract of any sort with this company. This is not my account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: PNC Bank N.A.
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX, I purchased a home with National City mortgage at the peak of the housing market turned bubble. I had not idea about home mortgages and signed documents that ended up nearly financially draining me. That mortgage was a conventional loan, and I was unable to refinance it. I have attempted get National City, which was merged with PNC, to refinance but they refused citing " I had too much discretionary income for a hardship modification. '' In XXXX, I attempted to get my loans combined for an easier payment, but I could not. 

In XXXX, I contacted the bank to request it again, to no avail. Since my mortgage, including the HELOC, was a conventional loan, I was unable to benefit from programs established to help homebuyers who found themselves locked into terrible mortgages. 

I have XXXX loans with PNC for XXXX house, one of which is a HELOC and another is a variable rate loan. However, for the HELOC all but {$620.00} goes towards principle per year when interest paid is over {$5000.00} per year. The amount of the monthly payment going towards principle varies every month. So for the past XXXX years I have been paying on. the HELOC, I have paid {$65000.00} in interest towards the original balance of {$55000.00} but I still owe {$54000.00}. 

I believe I locked in a bad loan, one of those predatory loans that were given out by banks back in the housing boom, and it's draining me financially. The HELOC is due to end XX/XX/XXXX but I still owe the same amount of money I owed when I got it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: LA
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 XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my reading 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 2017-07-19
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a BMO Harris everyday checking account on XX/XX/XXXX, using the promo code XXXX. I followed all requirements, including bringing the mailer to a local branch, opening a new account, and having two direct deposits of {$300.00} or more post within 90 days of opening. I made deposits over {$300.00} on XX/XX/XXXX & XX/XX/XXXX. The bonus was to be paid 120 days after opening ( XX/XX/XXXX ). As of XX/XX/XXXX I still have not received the bonus. After contacting the bank, I was informed that I did n't qualify because the direct deposits were n't from a payroll company. BMO terms are listed as " Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening ''. I 'm XXXX XXXX, and pay myself from a business checking account from an external bank. Therefore I received 2 direct deposits, which were a paycheck, from an employer. This qualifies under BMO Harris 's  listed terms.

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 2017-07-19
Company: NAVY FEDERAL CREDIT UNION
State: VA
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:
For roughly 5 months I have noticed that there has been an incorrct credit report in regards to an auto loan I had taken with navy federal bank in XXXX. Whenever I made a payment it would not reflect on my credit score, therefore stating that i owe more than what i did. On my credit report it would also state that the last update was done sometime in XXXX XXXX. Approximately 2 weeks ago, I had called navy in regards to this issue and they made no efforts to resolve this issue. It has bought my credit score extremely low, and other creditors have lowered my credit card limit because of my credit score. My credit score currently says I owe XXXX. But my account balance with my bank says I owe XXXX which is the correct amount. I would really appreciate an investigation on this matter. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-20
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:
I went into XXXX XXXX to open a savings account and they had a record that I had been previously denied. I informed them that I had never applied. They agreed that there was no information on file - not an address, phone number, nor email address. I went ahead and applied and was approved, they asked me for all of that information! I checked my credit report that evening and noticed not only XXXX XXXX ran my credit, but also XXXX XXXX and many other companies ... I 'd like a show of what information all these companies have as far as my authorization. I am disputing all of these inquires before 2017.

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