BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I made a purchase for {$430.00} for a XXXX on XX/XX/2022, I contacted the XXXX company in XX/XX/2022 and told them I wanted to return the XXXX and get my money back because the XXXX wasn't as described/advertised and it had malfunctioned. The XXXX company refused to provide a return address so I can return the XXXX and they didn't provide my refund. On XX/XX/2022 I spent {$520.00} on auto insurance in which I canceled the insurance by turning in my car plates, the insurance company didn't provide me with auto services so I contacted my bank to put in a dispute and my bank is refusing to provide provisional credit for both claims. I made the debit purchases with Bank of America both transactions were not wire transfers to another bank. On XX/XX/2022 the bank closed my account without notice and they put my claims on hold. I do not like this bank this is bank malpractice that they're committing because although I don't care about not doing business with Bank of America I do want my provisional credits and I doubt they will be in my favor regardless of any evidence I submit because they have a habit of committing business malpractice and consumer fraud. The provisional credit for both transactions is a total of {$960.00}. The Bank is violating banking regulations by not providing my provisional credit and retaliating against me for complaining about them and submitting claims by closing my account without notice and closing it without issuing provisional credits. They can close it at any time Im not dissatisfied with them closing my account however they are a bank service and bank services are not supposed to steal and close it while there are active claims, so I want my provisional credits. I also have a current remaining balance in my account and they haven't sent me a check for it. I have two more disputes of {$65.00} and {$27.00} I explained that I didn't receive services from the merchant for the {$65.00} and {$27.00} transaction I spoke with a representative on XX/XX/2022 around XXXX XXXX, and on XX/XX/2022 around XXXX XXXX I recorded my conversations/phone calls with bank of America 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 monetary relief
Consumer complaint received 2015-12-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We were discharged from chapter XXXX. Our home is underwater and wife being out of work since XXXX 2015. We ask Our second lender ( Carrington ) to settle the debt so we can retain the property. They only offered help with a short sale. In a short sale they wo n't get nothing. We never reaffirmed the loan. Can you help us?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: GA
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Account handled by F J Hanna now turned over to new attorney - XXXX. Never received debt information from Hanna.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: NCC Business Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted NCC in XX/XX/2015 and advised I did not owe any debt to XXXX, I sent the documents from XXXX confirming I had a XXXX balance with them and I owed nothing to them. This was sent to NCC who advised it would be removed within 30-60 days due to balance paid. I received no letter as well as debt is reporting on yardi rent bureau as well as it is affecting my credit. This company has not resolved this issue in a year which is unacceptable. Now I can not rent a new apartment due to this error by NCC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I paid for my score with Equifax and was given XXXX, I went to purchase a car and my score is XXXX, a day later. I also got my score from XXXX and it was XXXX, again the auto dealer got XXXX I want to know why Equifax is giving me one score that I paid for and giving banks entirely different information. 
this is fraud!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-03
Company: DISCOVER BANK
State: DE
Product: Credit card
Issue: Rewards

Complaint:
Last month I received a new credit card from discover card. They changed the product that I already owned as I was not using my existing card anymore. The new card looked better therefore I activated it. When I checked my account online it showed a negative rewards balance of {$120.00}. It did n't make sense for me to have a negative balance as I was not using the card much for over an year. When I inquired they did n't give me a an explanation and said they would check and get back to me. I never received a call therefore I called again to check. At that time they said it could be due to returns but since the returns over 2 years did n't even amount to {$500.00}, it was unlikely to get - {$120.00} balance. That theory was rejected and then they said they will get the issue to headquarters and some supervisor would call me in XXXX hrs. Never received a call again. I then sent a message and they replied that a supervisor had left a message on account that it could be due to a transaction that was not paid using discover card. Again it was a theory and they never mentioned the transaction in dispute. Also, how could they offer a reward and then reverse it when the card was n't even used. It did n't even make sense. I again asked for explanation and have n't heard back yet for a week now. I need to know why I have negative balance in rewards and if there is no decent explanation I want the negative balance to be reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a public record ( judgement ) that I paid and had released and vacted for naught. I provide the XXXX major credit reporting agencies a signed document from a XXXX county judge that this judgement was null and vacted for naught. which means it does n't exist. XXXX and XXXX deleted the above referenced public record from my credit report. Equifax on the other hand continued to report but changed the status to satisfied which is incorrect since this judgement is vacated and further ordered that the judgement be dismissed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I wrote Equifax on XXXX/XXXX/15 and alerted them to a XXXX account XXXX that is not mine. And they thus far have refused to answer my dispute NOR remove the item. I EVEN SUBMITTED A POLICE REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I submitted a dispute with Equifax Information Services on XXXX XXXX, XXXX for a collection account with XXXX XXXX XXXX in the amount of {$570.00}. The account was in error, as XXXX XXXX XXXX had billed me for services that they never rendered. Equifax removed the information from my account on XXXX XXXX, XXXX. On XXXX XXXX, XXXX Equifax reinserted this account on my file for {$570.00} under another company name XXXX XXXX XXXX. This was done dispute receiving sufficient information from me to show that the account was submitted in error. I disputed the account with Equifax to which they did not remove the account from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax is showing late payment for my mortgage with XXXX. It 's been over 7 years and they are still basing my XXXX score and reporting it to creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I really need someone to assist me because I have been going through this for years with absolutely no assistance. I am a victim of identity theft. I worked at a company where the personnel who gave me my separation papers mistakenly provided me with another person 's information partially with mine as well as provided my information to this other person ; we both have the same first and last name, different middle name. This person used my information to open accounts as well as go to the extent to use my name and social security # when he went to jail. I had thought that this whole debacle had been cleared up on my credit report, but now that I am seeing it again, I know that it has not been. I am including my letters to the bureaus as well as my identification and affidavit. I was not able to obtain a police report. When I went in to the station to file one, the officers laughed at me, stated they " do n't give a XXXX about something that happened in Virginia '' and would n't make a report for me. I do not have the option to file one online, either as my area does not allow for that. 
I 've disputed this with the bureaus in the past and have received no assistance. 
When this person used my information to obtain a vehicle loan, I received a letter from XXXX stating that I had been approved for $ XXXX and that if I did not authorize this, to write them and let them know. I sent a letter certified as well as faxed it, stating that it was NOT me who applied and to NOT send a check. I then received another letter stating that the check had been sent for $ XXXX to the dealership. I did not authorize this, I did not apply for this, I did not obtain this, I do not have the vehicle and i need for this to be blocked and removed from my credit report immediately. This is NOT my account! 
As for the XXXX account, I did not open or authorize this account and I have no knowledge in regards to it. I notified them as well and nothing happened ; this is the same result from the credit bureaus. 
The accounts and inquiries in dispute are listed on the letters that I have attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus rated my loan incorrectly and wo n't fix it. I am trying to refinance and they wo n't cooperate in getting my payoff to the new lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
the collection account refuse to send validating information on account. the account is not mine it belong to someone else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-07-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax did not send me an official Documented informational letter within the aloted time of XXXX days to actually verify that the state tax liens were in fact mine, but relied on some third party Vendor for their information, therefore the tax liens are not mine and should be Deleted immediately and perminiately from my credit files. Equifax have deleted other Unverified information on my credit reports but is determined to dictate what is reported in my credit fileXXXX though All information remains Unverified. Any and ALL incorrect UNVERIFIED information should not be in my credit files in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
After contacting the CB I 'm getting no responses from faxes and letters. These inquires were not authorized by me nor have I had any credit granted by these companies and I want them off my Equifax report : XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XX/XX/XXXX16 5 ) XX/XX/XXXX16 6 ) XXXX16 7 ) XXXX XXXX XXXX XXXX16 8 ) XXXX XXXX16 9 ) XXXX XXXX XXXX16

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
EQUIFAX is in violation of Fair Credit Reporting Practices by not verifying the contracts submitted to be reporeted. This is in Violation of Section 609 of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I notified Equifax in regards to information that is not accurate on my report. I have written to Equifax XXXX times over this issue. I was in dispute against XXXX until I received a cancellation. I did not receive an involuntary repossession, this was a disputed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
EQUIFAX REFUSES TO ACKNOWLEDGE THE TERMS ASSOCIATED WITH MY ACCOUNT WITH XXXX XXXX XXXX. I HAD AN HIGH BALANCE OF {$3000.00}, WHILE EQUIFAX IS REPORTING {$3900.00}. THEY ARE REPORTING MONTHLY PAYMENTS OF $ XXXX MONTHLY WHILE I HAVE SUBMITTED BANK STATEMENTS REFLECTING {$170.00} A MONTH DRAFT PAYMENTS TO XXXX. I HAVE TRIED UNSUCCESSFULLY TO GET EQUIFAX TO REPORT TRUE AND ACCURATE CREDIT INFORMATION AND NOW APPEALING TO YOUR OFFICE TO HAVE EQUIFAX TO REPORT TRUE AND ACCURATE INFORMATION. MY CREDIT TERMS ARE 24 MONTHS ZERO INTEREST, EQUIFAX IS REPORTING 31 MONTHS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: U.S. BANCORP
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking account with a targeted new account bonus, which I correctly entered into the online application. I fulfilled the direct deposit requirement and all other bonus requirements, and was even told by a customer service rep that I would receive my {$200.00} bonus in XXXX - as of XXXX/XXXX/2017 I have filed several requests and have not been paid my bonus, as well as having been charged a monthly maintainance fee of XXXX twice, while i wait around for my bonus which is almost 3 months late now. I am very unhappy with US Bank in this situation, as they got a new customer without paying out the incentive.

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 2015-07-01
Company: U.S. BANCORP
State: AZ
Product: Credit card
Issue: Cash advance

Complaint:
I received a " no-interest for one year '' credit card in XXXX 2014 from US Bank. After I paid off a balance at a " cash advance '' business with the credit card, US Bank started charging me interest on the balance that I paid off. I have contacted them 2 times regarding being charged interest on what is essentially a balance transfer and they insist that it was a " cash advance '' and that they are justified in charging me interest on that balance. I never received any cash from the credit card, simply gave the credit card number to the cash advance store to pay it off. My last communication with US Bank included a copy of the receipt for the payoff, but they still insist they are justified in charging me interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I had outstanding state taxes due to the Georgia XXXX I ( through my attorney ) did an offer and compromise to settle all of my outstanding taxes. I received a stamped release from the XXXX. The Equifax credit bureau is telling me they do n't take off tax liens even if they were paid. I 'm attaching the Georgia State Tax Lien XXXX stamped, signed, and date XXXX XXXX, 2016, stating the {$1500.00}, has been paid, satisfied and ordered cancelled from record. I 'm attaching my Equifax Credit Report for you to see it is still being reported. When I spoke with them, I was told nothing can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I just pulled up my Free Annual Credit reports from XXXX and XXXX. No Problem accessing and receiving the reports. When I went to the Equifax site, they refused to process my report on line. They stated that I needed to send them copies of my Social Security Card, Drivers License, etc. They said it 's for my protection. What is their problem. XXXX and XXXX were quite friendly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have contacted Equifax three times now disputing a collection account that was to be deleted by request of the collection agency. The latest dispute results states that it is " verified to be mine '' although I have attached the same letter from the collection agency each time stating it is to be deleted. it has been deleted with both XXXX and XXXX without having to investigate. It is completely disregarded each time and I want this deleted as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax has n't updated my credit report and is reporting over XXXX unauthorized inquiries that is damaging my credit score. 
Also, Equifax is not reporting correctly my Monthly VA Mortgage of {$1700.00} payments since my VA Loan was modified on XXXX XXXX. 
I respectfully do n't want to display my Bankruptcy chapter XXXX to the public or potential creditors. I am on XXXX and Retired. 
I should be accommendated according to Department of Justice XXXX XXXX Act of Congress of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
IS SHOWING OPEN ACCOUNTS COLLECTIONS ON MY XXXX CREDIT REPORT. ALL DEBTS HAVE BEEN PAID

Company response to consumer: Closed
Consumer complaint received 2016-08-08
Company: United Consumers Inc
State: VA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently found out an unpaid {$450.00} from " United Consumers '' on my credit report. It turned out was an unpaid medical bill from a car accident of my niece. I have paid the bill right after I found it out the same day last week. And claimed the money from car insurance company. 

My question is this was billed since last year but I had never received any document/request from neither the hospital nor the collection company. Otherwise it was taken care of long time ago. So the debt was sitting there all these time and hurt my credit. I want the collection company to fix my credit ASAP because I am working on a finance my house right now. And I am having hardship to get my loan. 

Background : I had a car accident on XXXX/XXXX/2015 and my niece ( XXXX, XXXX, XXXX year-old ) was a passenger on my car. She got an XXXX at that time. I actually provided my address, phone number and SSN to the hospital at that time for her hospitalization. After the accident, I let my insurance company taking care everything related. 

When I called " United Consumers '', they have all my information correctly in there record. But I do n't understand, why they have never contact me for the collection by any means all these time, neither from the hospital.

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