BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-21
Company: SUNTRUST BANKS, INC.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My husband had an account with Sun Trust I cosigned on. We never had XXXX dollars in the account at any point however they have filed something with the court saying I owe them XXXX dollars. First problem never had that much money in the account to withdraw second how did an account he was primary on become solely my account and they put it on my report and have a judgement filed against me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
i have ask TRANSUNION TO REMOVE THESE ACCOUNT I HAVE YET TO HEAR A WORD FROM HIM.

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 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 XXXXXXXX XXXX XXXX XXXXXXXX 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 that a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citibank offered a promotion for opening a CitiGold checking account in the beginning of the year. If the customer make the requirements, we are suppose to receive XXXX in XXXX XXXX points. I made the requirements, I confirmed with Citibank, XXXX XXXX from Citibank confirmed that I am suppose to receive the points on early XXXX. I have not received the points yet. I made multiple attempts to ask Citi to honor the agreement, but to no avail.

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 2020-06-10
Company: I.C. System, 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: Information belongs to someone else

Complaint:
XXXX  Credit Monitoring notified me of I C System incorrectly reporting a {$700.00} collection account when I have never even heard of I C System. I have never received a single phone call or a single letter from I C System. This, of course, is in direct violation of the FCRA. 

I C System reports XXXX as the original creditor to XXXX. This is entirely FALSE. I have never once been late with my XXXX  account which has always been in GOOD STANDING. 

In fact, {$0.00} balance is due as the actual balance of only {$6.00} which was not due until XX/XX/20 has already been PAID IN FULL more than two weeks in advance. The next regular bill is NOT DUE UNTIL XX/XX/20. 

Either I am a victim of IDENTITY THEFT or I C System is fraudulently attempting to collect a balance that is NOT DUE. 

I called the number that XXXX  provided for I C System and no live person answers. A recorded message repeated itself before the call disconnected. 

There is {$0.00} due to XXXX and certainly there is {$0.00} due to I C System, whoever they are. 

I would like to know why they are fraudulently attempting to collect an amount that is not owed, why they have failed to send a single letter regarding their fraudulent collection effort and why they failed to make a single phone call regarding their fraudulent collection effort.

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 2020-06-10
Company: Freedom Mortgage Company
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Over the past several years, I have made multiple requests to my mortgage lender, Freedom Mortgage, to drop private mortgage insurance from my monthly statements. I have never missed a payment in the 9 years of the loan and actually reduced the LTV on the mortgage to below 78 % years ahead of schedule. Today, the LTV on the loan is 71 %, but Freedom Mortgage refuses to drop PMI unless I pay for an appraisal proving my home 's value ( which has only increased over the years ). I have repeatedly refused to pay for an appraisal, because my understanding is that PMI must be removed automatically at 78 % LTV, which was achieved approximately 3 years ago. At {$86.00} per month, I've paid over {$3000.00} in additional PMI since it should have been removed. In hindsight, an appraisal would have cost me much less, though it isn't required once LTV reaches 78 %, and I don't want to give Freedom Mortgage the satisfaction of bullying me into another unnecessary expense.

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 2022-05-15
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:
The Credit Bureaus stated my account was properly investigation but how is that possible if the open date is wrong, the last date active is wrong, and last date is not accurate. This is ground for removal and my rights were violated under the law 's.

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 2016-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
XXXX 2015 I began a process to get a home equity line of credit from XXXX XXXX Bank in XXXX New York. They found out that Bank of America, who had taken over my loan from now defunct XXXX XXXX XXXX. While BOA did pay the loan off, they never got a lien release, therefore the new bank would not grant a home equity loan. I have worked with numerous people in Bank Of America and after 9 months, they produce an ASSIGNMENT OF MORTGAGE from a representative of the defunct mortgage company. HOWEVER ... THEY DID NOT USE THE APPROPRIATE LANGUAGE and has been rejected by The XXXX XXXX XXXX and XXXX XXXX Bank as it still shows that I have a lien that does not exist! 
It is now almost 14 months to resolve this!! I have tried to contact Bank of America but have not received a return call. 
The missing paragraph in the assignment of mortgage is : " THIS ASSIGNMENT IS NOT SUBJECT TO THE REQUIREMENTS OF SECTION XXXX OF THE REAL PROPERTY LAW BECAUSE IT IS AN ASSIGNMENT WITHING THE SECONDARY MORTGAGE MARKET '' I am at my wits end to get Bank of America to fulfill their responsibility so I can move forward with my loan application. If this had happened during the sale of my home, it would have caused me to lose the sale for sure! 
It took them 9 months just to get the rep from XXXX XXXX XXXX to sign the incorrectly worded assignment as it is.

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 2016-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX, fraudulently Increased the interest rate on my mortgage and then put my loan into collections when I disputed the new interest rate. I submitted my " borrowers copy '' of the loan documents stating the rate of 2.25 % for 40 years. They have not provided me any information and have placed me on a " dual track '' accelerating my loan into collections and foreclosure while they are " reviewing '' my dispute. I have never been able to speak with or have received any communication from a personal loan specialist over the past 4 months. I have spoken to over 20 different customer service agents, non of which can help me and give conflicting information each time I call. I have been given longer " review '' times for my interest rate dispute each time I call. The first time I called I was told the review would take 3-4 days, then up to a week, then 10-14 days, then up to 30 days and the last time I called they said it could take up to 45 days, but no one is ever available that can let me know where they are in the process or provide me any information. I have recently been told that they may file for foreclosure on my home in 2 weeks. I have been paying my mortgage for 10 years and I was never late on a payment. I just do n't understand why XXXX is allowed to play games and not give me a point of contact that actually works there and I 'm able to speak with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: EQUIFAX, INC.
State: AL
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent multiple requests to Equifax XXXX XXXX until now we are in the month of XX/XX/XXXX and still no response from them. That means EQUIFAX has not complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
Remove these following accounts completely from my credit report : XXXX XXXX XXXX - XXXX Balance {$0.00} ; ALABAMA XXXX CO - XXXX Balance {$0.00} ; XXXX XXXX Bankruptcy - Reference number : XXXX Filed on XX/XX/XXXX 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: AMERICAN EXPRESS COMPANY
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:
I received an offer from XXXX that if I opened a gold credit card with them and I spent XXXX XXXX during the first 3 months of account opening, they would give me XXXX in points. I spent the {$2000.00} on the first week of opening the credit card and already paid it off. 
I do understand that points are available once your first statement is generated since thats how all my other credit cards work. 
I opened this credit card approximately on XXXX XXXX and my statement closed on XXXX XXXX so I called and spoke to a representative to ask when I was going to have my points available, and she said I should see them available on the XXXX. Well, today I looked and I never got my points. I called again and now they said that my points were going to be available by XXXX XXXX, I spoke to a supervisor named XXXX and I told her that on the advertisement XXXX sent me to open the credit card they never point out that it would take that long to receive the points it just says after spending XXXX in purchases She said she was going ro file a complaint but there eas nothing she could do ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
These accounts do not belong to me. Please block and remove according to 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 2017-09-09
Company: EQUIFAX, INC.
State: OK
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:
Unsafely stored my personal information without my knowledge and now can not determine if my information was stolen in a recent breach of their systems/databases.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: MA
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:
Equifax was hacked and based on their own website check, my personal information may have been impacted by the hack. They did not agree to have my personal information released to hackers, so the information in my credit report was used improperly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
5 {$1000.00} Payments were made from Chase account XXXX to XXXX XXXX and XXXX XXXX states they did not get them! WE are missing {$5000.00} or so XXXX XXXX states! 5 payments in the amount of {$1000.00} each were made to XXXX XXXX ( The same way each week via bill-pay from Chase bank for the past 3 plus years ). Each week a payment of {$1000.00} was made. Each payment was electric from Chase to XXXX some way for the last 3 years NO changes! It is set-up automatically for weekly payments. I noticed that my payments were not posted, so I called XXXX XXXX   and they stated I did not make the payments. I called Chase Bank. Chase Bank and I called XXXX XXXX and once again they stated the payments were not made. Chase and I both sent back-up 's of the payments totaling over {$5000.00} that are missing and they still state the payments were not made. Chase stated since no changes were made to the payments for the past 3 years they could not help me ( basically since I sent the payment the same way for the past 3 year with no changes electrically no fraud was found ). Below are the payments that are missing XXXX XXXX XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-15
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Around XXXX XXXX  on XX/XX/XXXX or XXXX 2022 I was getting gas at XXXX truck stop when I bought a paypal prepaid mastercard backed by NETSPEND. When I tried to activate it online it said I needed to speak with a customer service representative. So I waited till they were open to call. Upon speaking with them I was told I was not eligible for their services and unfortunately they could not tell me why and I would have to be refunded and they would issue me a check with in ten business days. That was not acceptable at the time. That was literally every cent I had to my name till my next payday and now they are telling me I would have no money for gas or food or my morning coffee. Needless to say I still have not received my money and it has been round 30 days since I bought card. I was told they could not ACTIVATE CARD in my name. So I asked can we use my girlfriend. They said no cause I purchased it and it had been registered in my name but at the same time they say that the card is not active. So if it's not active yet why can't we activate it in my girlfriends name. It says no where on the packaging or at store where I purchased the card that I could buy the card but there was a chance I may not be able to activate it and have no access to funds till they mail me a check. I even asked them to restrict card so it would let me spend funds for purchases only and not be allowed to be reloaded and they said no. It's not fair to me or any other consuner. They should make people aware that when they purchase a card that they MAY NOT BE ABLE TO ACTIVATE IT AND NETSPEND HAS SOLE DISCRETION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I bought a second hand hairdryer from other person for {$200.00}, the transaction went through zelle. As I send the money to her, she said will send out the hairdryer afternoon, and afterthat, she said her daughter got sick, so it will send out the second day. The second day, she did send me the Tracking number, but the tracking never updated. AND I texted her and called her, she never respond me back. Today, XX/XX/2021, I call my bank afternoon, but they said they couldn't do anything for it, because zelle also couldn't do anything about it, they had no coverage for scam. So I was unable get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I had an arrangement with  XXXX   XXXX  and was able to make the monthly payment.  ( Approximately   XXXX   XXXX   XXXX   ). Somehow a company by the name of Naviant took over   and my arrangement stopped. I could n't make the {$50.00} payment any longer and could n't reach  XXXX   XXXX  to try and fix and/or renegotiate another monthly amount. I am  retired  and on a fixed income of less than {$1000.00} per month income for both Social Security a nd   OMB Federal Retirement.        I 've paid my loan religiously for many years and want to continue paying it ; however, I can no longer afford a   XXXX   XXXX   XXXX  payment. I have to constantly renegotiate with my creditors each month to pay them as my overall bills  ( rent, utilities, credit cards, etc. ) is more than I currently take in. My health does not allow me to get employment so all I have to live on is my income of less than {$1000.00} per month. I do get {$16.00} per month in food stamps and go to other agencies ( food bank ) and Senior Services to help with food.      I 'd like to pay this and hopefully can get an extended arrangement with  XXXX   XXXX  if at all possible.     Thanking you in advance.      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 2020-06-10
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I use XXXX and other linked accounts for everything. Me, along with everyone I know will switch banks if we can no longer link accounts. My kids all have XXXX cards. I transfer money to their accounts for allowences, babysitting, etc. Daily. This is not ok to suddenly just stop allowing linked accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: Community Health Investment Company, LLC.
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
VIOLATORS OF FDCPA, TCPA CEASE AND DESIST COLLECTION EFFORTS PAID ORIGINAL CREDITORS ALREADY

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: AMERICAN EXPRESS COMPANY
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:
I cancelled my American Express Card ( account XXXX ) but the company refused the credit the annual fee back, hence I could not close the account. Every month, for the last XXXX months, I am charged a late fee of {$35.00}, which has increased the outstanding on the card to {$160.00} ( annual fee plus month charges ). I called up XXXX multiple times, but they have refused to credit back the monthly and annual fees. Since the payment is outstanding for XXXX month, they will be sending it for collection.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have citibank costco credit card. It will expire on XX/XX/20. Citibank chose to close this account once it expires on XX/XX/20. This account is have no past due or has been late on payment. Citibank also dont want to give the rewards i have earned by using this card. So far I have like {$700.00} of rewards that is suppose to be given in XX/XX/2020. Its ok if they close the account but I want my rewards. I tried to talk to citibank to keep my card but they wont.

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