BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a conventional fixed 30 year mortgage and have been making extra payments on the mortgage to get the loan paid off quicker over the past 6 years. My current LTV of the original purchase price of the home is currently XXXX %. The " scheduled '' XXXX % LTV passed on XXXX XXXX, 2016 for a cancellation date. 
I have requested Bank of America to cancel the PMI. They are refusing and requiring me to get another appraisal done on the home for the current value. But the law said it is only for the original value of the house for the PMI to get taken off. I have always paid my payments ahead of time with extra payment to the principal. I have never missed or been late with my mortgage payments and I have excellent credit with a score around XXXX. 
I am tired of wasting money to this bank for PMI when I should n't still have to be paying it. If they do n't resolve this issue, they are going to lose this investment and my business with my other accounts at Bank of America. I will refinance with another bank for my mortgage.

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 2015-12-18
Company: SYNCHRONY FINANCIAL
State: PA
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Fees

Complaint:
Paypal reported 30 day delinquency against for a bill that should have been paid through my autopay. Second, they had an old address of mine. When I spoke to the customer service representative, I paid the {$5.00} and he provided instructions to get the credit reporting resolved, which I followed immediately, yet 1 month later, still have the 30 day derogatory remark on my credit report. 
More importantly, I 'm in the process of purchasing a home, and I 'm unable to get my preapproval letter due to this status ( it dropped my credit score close to XXXX points ).

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 2020-04-12
Company: EQUIFAX, INC.
State: MO
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'm requesting for the XXXX major credit reporting agencies to remove and block these following unauthorized accounts reporting on my credit file. The following accounts do not belong to me. 

1 ) XXXX XXXX XXXX  {$1700.00} 2 ) XXXX XXXX XXXX {$1100.00} 3 ) XXXX XXXX XXXX   {$2000.00} 4 ) XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX XXXX XXXX XXXX XXXX {$4600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Westlake Services, LLC
State: MD
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX XXXX XXXX Westlake Financial Services XXXX I have sent disputes to each agency and they are not sending verification of how the accounts are valid and they need to delete them from file because there is no contract and they have been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: ARVEST BANK GROUP, INC.
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: Investigation took more than 30 days

Complaint:
Hello, For a property I own that is serviced by Arvest Mortgage Company, my property management has documented proof check was printed and I have a statement from my property management company noting date, check number, and reference number for the date. The management company has been doing accurate payments for years this way so I doubt they would choose this time to falsify a document/statement. I have had YEARS of on time payment. 

I have provided all this documentation to Arvest but they will only communicate via mail and refuse to address this mistake. 

XXXX site which should allow me to dispute with uploading information does not forcing me to mail documents in which is timely and horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Delinquent account

Complaint:
XXXX, 2015 received a bill for {$40.00} from Phillips 66 serviced by Synchrony Bank. I paid it on time electronically ( bill pay service ) but it went to the old credit card number. Synchrony continues to add finance charges and ask for more info. I have faxed a copy of my bank statement. My bank has sent a letter showing proof of payment, later ACH numbers to show where payment came from and where it went. My bank, myself and Synchrony engaged in a conference call and now they want 3 months of bank statements. Enough already! I am not sending 3 months of statements. This is all a ploy to wear me down. The old servicer of this account ( XXXX I believe from my bank 's research ) has probably forwarded payment. Synchrony wants me to call XXXX. Synchrony should do the research from all the data we have provided them and issue a statement to the credit bureaus to clean up any adverse reports about me. This account was paid and should be credited as such..

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 2016-11-18
Company: SYNCHRONY FINANCIAL
State: NY
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I opened an online account with Synchrony Bank about 2 months ago. 
Beginning XXXX weeks ago, I have been unable to access my account. When I log in, I get a message to call them. I have called 4 times and no one has been able to correct this issue. They say they will escalate it, but no one calls me & no one has fixed 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 2016-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In 2014, I sold my home that was financed through Bank of America. Although the foreclosure process had started, I sold the home for a price that would cover the entire balance owed, interest generated and fees accumulated. Prior to closing however, Bank of America forced me into a Short Sale scenario but sending out the Escrow for insurance that was n't due for another month and by their attorney having increased fees. The attorney also did n't respond to a request for payoff for over a month that accumulated more in interest fees. Although the payoff was only {$2200.00} short because of their actions on a {$170000.00} amount, they have reported it as not paid in full on my credit. They have refused to reexamine the situation or refund the additional amount of interest because of their attorney 's actions. I was not able to use HARP as I was self employed. They refused to modify my mortgage loan as well.

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 2016-11-02
Company: Quality Loan Service Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
For three years I have been submitting documents to the servicer of my loan XXXX XXXX XXXX which they consistently seem to lose documents until the application and my hard work at information gathering is no longer valid under modification programs. I have submitted four full packages to this company. They continually tell me that there is a representative assigned to my case and that person is never available. Further, the person who I do end up speaking to gives me information contrary to the last person I spoke to. In addition, as the company is working on a modification with me, they are having a third party contacting me and threatening me with a foreclosure sale date. ( DUAL TRACKING ). I have also sent two certified Qualified Information Request to determine the Forensics of my loan. XXXX responds with a letter stating I 'll receive the information and then I never do. Also, the Trustee simply sent me a notice of Default without ever mentioning exploring options to avoid foreclosure. In fact other than sending me 7 copies of the Default notice and possible sale date, Quality Loan Servicing has not sent me any correspondence despite the fact that XXXX is still working on a modification. Also, the " trustee '' has not demonstrated that it is the holder of the beneficial interest under the deed of trust, the original or substituted trustee, or the designated agent of the holder of the beneficial interest, as specified. The documents also fraudulently state that they to contacted me on XXXX/XXXX/2013 to meet requirements of California Civil Code XXXX XXXX THIS DID NOT HAPPEN and the fraudulent date was a year before I started working with XXXX on a modification. In addition, I believe that XXXX and Quality Loan Servicing are acting with purpose in this process in attempt to defraud the Federal Government.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am writing to you to block the following listed items from my report immediately which are not authorized by me. I became a victim of IDENTITY THEFT a couple of years ago. I have noticed that many items appeared in my report which was never opened by me. You are reporting Inaccurate, incomplete, or unverifiable 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 non-monetary relief
Consumer complaint received 2017-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Dear Sir or Mis In XXXX I received a new Business credit card from Bank of America because my old card was do to expire in XX/XX/2017. I activate the new card but then stripped the new card by mistake when I call Bank of America they send I would receive a new card in two days. Three days I got a call from the compliance dept. stating they would have to pull my credit report before I could get a new card. I am a ID victim so requiring me to unlock my credit and take a hard it on my credit. On Bank of America web site I can see my credit score every time I log in. I have mortgage and a personal credit card with Bank of America. I was told if I lost my credit card or if it was damage there was no need to take hard hit on my credit score. 
My question is why is it necessary to take a hard hit to lower my credit score because I made a mistake with the new card

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 2020-04-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello, On XX/XX/XXXX I applied for the Citi XXXX Credit Card under a promotion stating that I would receive XXXX " Bonus Thank You Points '' in exchange for spending {$4000.00} within three months. 

I was approved for the card however did not receive the card until the week of XX/XX/XXXX. 

Due to Citi 's delay in mailing me my card I was given less then two months two complete what per their advertised terms needed to be completed within the first three months of account opening. 

On XX/XX/XXXX I reached out to Citi via chat XXXX attached ) and expressed my concern and asked for an extension. I was told to simply meet the spending requirement and they would see what could be done. Had I been told there was no flexibility I could have had the opportunity to meet the time frame they required. 

I met the spending requirement well within the three months of receiving the card but shortly after the three months of account opening. I followed up with Citi and they declined my request for issuing of Points based on their terms of spending needing to happened with the three months of account opening. 

Whether purposeful or accidental, Citi 's delaying my receipt of the card did not allow me a reasonable or fair opportunity to meet the promotional terms that they set forth. Furthermore, follow up with Citi produced disingenuous directions to continue spending without any clear indication of a fruitful outcome. 

I ask that Citi issue me the points promised based on the delay of card delivery at no fault of my own and the spending requirement met. I'll be upfront in saying if not settled through this process my next step of resolution would be a Small Claims case since the Points worth is significant. 

Thank you, 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 non-monetary relief
Consumer complaint received 2020-04-12
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: Old information reappears or never goes away

Complaint:
There is an item that keeps being put onto my credit report by all three major credit bureaus. The item is from XXXX XXXX XXXX. 

XXXX XXXX XXXX filed a lawsuit about the alleged debt and the case was dismissed due to " There is not sufficient evidence to continue prosecution of this case. '' and the case was dismissed. I have asked for this to be removed and to not be reposted to my credit report and it continue to reappear on all three bureaus. 


All three credit bureaus Equifax XXXX XXXX Debt Collector XXXX XXXX XXXX Amount of alleged debt {$2400.00} Account # XXXX Court Justice Court XXXX XXXX XXXX XXXX County Texas Case Number XXXX Dismissed Date XX/XX/2018 XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: NAVY FEDERAL CREDIT UNION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have incorrect information reporting to my credit and it is preventing me from purchasing a home for my family through XXXX XXXX XXXXXXXX. Ive reached out to these companies several times and have explain to them that this is not my debt And they have failed several times to give me proof. On top of that My insurance premium is going up because of these collections and they are saying is mine luckily I still have my job and I havent missed out on any opportunities because of my credit score however it is harder for me to rent an apartment and that is the main reason why Im looking to get home. The deposit that I have to pay for my utilities as well as Internet is outrageous all because they are going based off my credit. At this point I dont feel like I can build wealth in America or even retire because of the falsely accused collections that are on my credit report. I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report. I did not authorize nor know anything about these accounts listed. these are fraudalent accounts. i know my rights. This is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )

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 2017-01-02
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My credit report shows a new Sync/Care Credit account, which I did not open. I have tried to contact the phone number listed for Synchrony Bank six times. They are typically only open to receive new applications. They have transferred me to their fraud department three times. Twice I was disconnected. Today, I spoke to a representative for over 10 minutes. He then proceeded to tell me he could not find an account for me with JC Penney. I explained, for the third time during our conversation, that I was calling about a Care Credit account with Synchrony Bank. He said he would have to transfer me, and then disconnected me. 
I will be attempting to file a police report today, which I know wo n't be easy. I have setup a credit monitoring service, which is unfair that I have to pay for, to prevent crime being perpetrated against 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 non-monetary relief
Consumer complaint received 2021-12-20
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My dispute has been forwarded to citi executive response team to resolve my fraudulent charges on my Sears Credit Card # XXXX. They sent me pdf messages that when I recieved them the time were already expired. I tried to explain to them that Im a XXXX XXXX and dont understand a lot of computer stuff and my phone dont work correctly. 
Ive talked to several persons at citi executive response team XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. XXXX XXXX supposed to call me back on XXXX of XXXX 2021. I called her back the voice message forward me to another person. They keep passing the Torch. So this is why I requested that we communicate in Writting by Mail and send it through the United States Postal Service. So I can have proof of what the conversations was about resolving the fraudulent charges on my sears credit card.

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 2020-04-13
Company: EQUIFAX, 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 DOB:XXXX  XXXX XXXX XXXX SS : XXXX XXXX XXXX, GA XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : Your company has been listing these items inaccuracy, no name of creditor, no contact information, this is inaccurate reporting According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
Name of Account Account Number Provide Physical Verification COLLECTION XXXX Unverified Account COLLECTION XXXX Unverified Account XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX NOT MY ADDRESS XXXX XXXX XXXX NOT MY ADDRESS XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MY ADDRESS XXXX, GA XXXX XXXX XXXX  XXXX NOT MY ADDRESS XXXX XXXX, GA XXXX XXXX XXXX XXXX NOT MY ADDRESS XXXX XXXX, GA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
1. Besides few disputed medical claim items, we had paid the {$320.00} at XXXX ( receive the bill statement at XXXX ) to the XXXX XXXX XXXX which had withdrew the money at XXXX. 
2. The XXXX XXXX XXXX had rushed the bill to the collection agency within two weeks. Earlier XXXX, we had called the XXXX XXXX XXXX to understand the bill statement, but its agent said the bill had been send to collection agency without bothering answer any question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation