BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-18
Company: U.S. BANCORP
State: AE
Product: Credit card
Issue: Rewards

Complaint:
Signed up for XXXX credit card from US Bank a few Months ago. Benefits included " Bonus Award Nights -- When you redeem Gold Points for XXXX or more consecutive Award Nights, your last night is free. '' Shortly after I received this card/account, this benefit was revoked. This constitutes a bait and switch tactic.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XXXX the XXXX, and XXXX Capitol One Bank received 3 IRS tax refund payment to a closed account ending in XXXX. There was a negative balance of {$550.00} dollars. After the deduction the remaining balance was {$2600.00} dollars. I never received the remaining balance due to me. Called Capitol One Bank customer service was told to filed a affidavit for lost checks. I followed those steps by filing with the branch in XXXX Va. on XX/XX/2020. The affidavit was sent from the Capitol One Bank location by XXXX XXXX XXXX notary and agent at the Branch location. I have spoken with several representative from Capitol One Bank, and havnt received a positive resolution to the matter. I, ve sent copies of the affidavit to XXXX with the ATTN to XXXX. Never responded to the two emails that were sent. Hopefully Ill have a better outcome with the help of Consumer Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: U.S. BANCORP
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
My wife and I applied for a used car loan through US Bank. We dealt with XXXX XXXX ( The Branch Manager at their XXXX, CA location ) who was nice at first, but proved to be a bad banker in general. 

US Bank approved us for what we needed for the car ( $ XXXX ) and offered us great terms. Despite applying together, XXXX advised my wife and I to remove me from the loan because she carries most of the income and I carry most of the debt. He claimed he could get us more favorable rates with just her. I was confused because our other lenders wanted my name on there and werent concerned about it raising our rates, but we agreed and went ahead anyways : they were offereing us great terms at a great rate. I spoke with XXXX many times before and during our purchase to make sure everything was OK with our loan. He told me a number of times everything was fine and we were greenlit to buy the car. He even issued us a pre-approval letter verifying the $ XXXX my wife had been awarded. Within minutes of purchasing the car I got a phone call from him asking if I 'd been successful. I said yes, and then he dropped the bomb. He claimed that he had just received a call from their underwriter saying they 'd adjusted our loan down to $ XXXX instead of the $ XXXX we had a pre-approval letter for. Despite having a pre-approval letter and over XXXX phone conversations to confirm, somehow everything fell apart in the 10 min after I 'd bought a $ XXXX vehicle and US Bank was no longer able to lend us what we needed for the car. This was very much a bait and switch tactic. I was told there was nothing they could do and I would have to return the vehicle to the dealer if what they offered us was not sufficient. 

Based upon a conversation with a banker at a different bank we discovered that XXXX gave us some horrifyingly bad advice and mislead us as a banker. He misunderstood his own underwriter 's requirements and it was his advice that ultimately caused the underwriting issue. It should be acknowledged as well that the other banked also stated there should be no way for an underwriter to come back and change a loan amount after a pre-approval letter has been awarded. XXXX had suggested we take my name off the loan to remove some debt from the records, but neglected to realize that my wife had never been approved for such a big loan by herself before and as a result ( according to XXXX ) the US Bank underwriters became concerned with the fact that she 'd never had a comparable loan. Had he included me on the loan, that would not have been a problem. 

It should not be the case that after 10+ conversations and a pre-approval letter that our loan could be unilaterally changed on us and it should not be the case that one bankers incompetence should be a burden we have to bear.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I found many inaccurate accounts listed on my credit reports that under the violate my privacy according to the Fair Credit Reporting Act under 15 USC 1681 section 602a.

Also under 15 USC 1681 section 604a : States that I have to privacy 15 USC 1681c - a5 section 2 : States that a consumer agency may not furnish any account without my written instructions.

15 USC 1681s-2 a1 : States that no consumer agency may make any consumer report containing adverse item of information about me. 

The accounts that have violated my rights are : XXXX XXXX XXXX acct # : XXXX XXXXXXXX XXXX acct # : XXXX XXXX XXXX XXXX acct # : XXXX XXXX XXXX XXXX acct # : XXXX XXXX account # : XXXX XXXX account # : XXXX XXXX account # : XXXX XXXX XXXX  XXXX acct # : XXXX XXXX XXXX acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX  acct # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1700.00} XXXX XXXXXXXX {$140.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX XXXXXXXX {$490.00} XXXX XXXXXXXX XXXX XXXXXXXX {$410.00} XXXX   XXXX XXXX {$520.00} XXXX   XXXX {$190.00} XXXX XXXX XXXXXXXX {$190.00} XXXX XXXX {$410.00} DEPT OF ED XXXX XXXX {$82000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
FHA is requiring me to be late due to a short sale via a hardship. 

Divorce proceedings were started XX/XX/XXXX and finalized last month - ex wife XXXX XXXX XXXX. I was mandated to pay child support to my ex-wife for her and my XXXX children that share in part-time custody. I do live in the home over XXXX % of the time due to the children reluctances to understand the divorce and are in the process of continuing to move out of the property. I am currently living part-time with my parents. Please release the deficiency of the loan balance as I am unable to pay the remaining balance owed and please apply me for any incentive programs the investor offers since this is technically my primary residence. Due to the divorce, my household income has decreased over XXXX %, while my expenses have increased well over XXXX %. Please see Divorce Decree for amount paid to my ex-wife. I do apologize for this and wish I was able to pay the balance I committed to, but I do not see in the foreseeable future that I will be able to keep the home and currently have a contract on the property to Short Sale the home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had a personal account that had a returned deposit because of fraud committed against me in 2015. I provided proof of this fraud which was also used to open accounts with other banks. Bank of America stated they removed me off of XXXX and XXXX, which was already done the year prior. I had a business account with them in good and regular standing that was recently closed after I was approved for Merchant services and upgraded my account. Which apparently triggered a hotfile attached to me. This hot file was caused by someone stealing money from another account I wrote a check transferring funds out of town. When I got back I immediately made the account positive. They removed negative reporting but placed me on a hotfile. They closed my corporate account with no notice, one that I am a signor on costing my company thousands of dollars. They will not let me withdraw my funds, they will not be accommodating in any way shape or form and they refuse to act in good faith. I want to be removed off of the hotfile. I want an apology, and I want to be assured this issue is resolved. Bank of America has blatantly not allowed me to solve this issue. They have been abusive, they have never responded to my request. I sent a packet to their internal group 4 times. They have been extremely abusive.

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 2023-03-15
Company: Applied Business Services, Inc.
State: NC
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:
XXXX XXXX XXXXXX/XX/XXXX {$630.00} ( disputed no action ) Applied Business Service XX/XX/XXXX {$710.00} ( disputed no action } Online information service XX/XX/XXXX ( disputed no action ) In accordance with the credit reporting act, these creditors have violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
i Have Both medicare and medicaid and was balance billed by doctors office. in Pennsylvania i can not be held responsible or billed or sent to collections for balance billing it is against state and federal insurance law and consumer protection law. i was sent to collection company XXXX XXXX XXXX XXXX XXXX XXXX please investigate not only with debt company but also XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: BBVA FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a $ XXXX CD with BBVA on line Bank. It matured XX/XX/XXXX and before that I mailed instructions to have the funds wired to my local bank. I also messaged the bank to this effect. Instructions were ignored and I was finally able to reach a rep, who said my only option was to get a paper check, sent by USPS and without a tracking number. They will take my money electronically but in XXXX they limit themselves to sending a paper check for over {$100000.00} and with no tracking number. It is now XXXX and the check still has not arrived. I called and was told the supervisors are not available and the " escalation team '' will call me in 3 business days ( that means by XX/XX/XXXX ), at which time they will probably put a Stop on the check and arrange an electronic transfer. Meantime the bank will be holding more than $ XXXX of my money with no interest paid. And I've had to spend at least 3 hours on the phone trying to fix this. The fact that they have made this simple kind of transaction into something so complicated and with deliberate delays built in is, IMO, an unfair business practice. Covid delays are not the issue here ; a badly designed system was in place before Covid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
To whom it may concern, My name is XXXX XXXX Of course Bank of America can not get it right when it come to my short sale. I truly feel thing my short sale for address XXXX XXXX XXXX, mi XXXX. I have filed multiple complaints on this acct. they refuse to act or go any further on anything unless. I filed a complaint. I have submitted a 3rd party authorization 2x once to XXXX. I called they said they received it the signature was verified and everything was good. Still they would not authorize my realtor XXXX XXXX to handle the short sale. I was also told that sense he had already 3rd party it was not removed he should be ok. Then they had me send another 3rd party authorization. I called I verified they received it. They said it was ready to go and still he as not authorizations to work on my behalf to complete the short sale. If you could be so kind the owner or president of bank of America aware of all the problems and concerns I have me having with dealing with bank of America. Also of the short sale department be made aware that their company are refusing to help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Naviant is harassing me with their calls every single day any time of the day and night they are really full of it. I submitted papers to them for my loan that is being reviewed and processed and I have repeatedly told them what I have done but they still call and threaten me about the loan, now I understand the bill is mine but am not able to pay it but I have reason for it, they also harass my cosigner and she has told them that the papers have been sent can you please please help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I'm trying to use a platform to load money into my account and business purposes, but pnc is one of the only bank that wouldn't allow you to accessories banking details thru a 3rd party

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Experian Information Solutions Inc.
State: AR
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some time now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX   XXXX XXXX XXXX US DEP ED XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX USDOE/XXXX XXXX US DEP ED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEP ED XXXX DEPTEDXXXX XXXX DEPTEDXXXX   XXXX USDOE/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 2016-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I requested my XXXX free credit reports online, and since I could n't answer the questions they gave online, I was instructed to fill out a form and mail it in. I got my XXXX and XXXX reports quickly in the mail, but got a letter from Transunion saying that my current address did not match their records. Since I 've been at this address for four years, and have banking and other accounts at this address, that does n't make a lot of sense to me. However, they are asking that I not only provide my driver 's license, which has my current address and should be enough, they are also asking that I provide them copies of another document such as a cancelled check, bank statement, pay stub, etc. Asking me to provide financial information to prove my address makes no sense to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
We have a owner builder construction loan. We are now ready to close which is over the time limit because of the virus. Contractors closed and had to put construction on hold under contractors could once again proceed. Now the bank wants to charge us at closing for going over the time limit thru no fault of ours and not willing to budge

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 2020-08-06
Company: EQUIFAX, 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:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint:
I checked my credit report today XX/XX/XXXX. I do not recall applying for this loan also as I 'm looking at this report is shows as of XX/XX/XXXX it is current, then is goes 60days past due as of XX/XX/XXXX. How is that? I do n't understand how an account can go from current to 60days when there are only 30 days between billing cycles. So not only do I recall applying for this loan it is obviously reporting incorrect as well. I would like a copy of the signed application showing that I applied for this loan. Given that on multiple aspects information is not being reported correctly I would like this removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am requesting that Bank of Mellon provide an EIN number so I may access their invester status on the XXXX ). Bank of Mellon is foreclosing on my home under the trust ( XXXX, XXXX, XXXX, XXXX XXXX ) established by XXXX. Bank of Mellon was found guilty of foreclosing properties under these established CWALT trusts without having the signed deeds or ownership to the properties XXXX I would like Bank of Mellon to provide a copy of the deed of the property located at XXXX XXXX XXXX, XXXX CA XXXX. I do not believe Bank of Mellon ( XXXX, XXXX XXXX ) is the deed holder or has the right to foreclose. I back this statement up with short sale closing instructions provided by their loan servicer XXXX. The pay off instructions clearly state to wire proceeds of the short sale to a third party ( XXXX XXXX XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: PLANET HOME LENDING, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Issue is Origination Fee changed after lock-in. 

XX/XX/2020 Closing Disclosure : Interest Rate 3.375 %, Origination Fee : {$290.00} XX/XX/2020 Closing Disclosure : Interest Rate : 3.375 %, Origination Fee : {$1500.00} When I asked the mortgage broker why our rate changed, even though we are in the lock in period. This is the response I received. 

" Your rate didnt change after it was locked. When we added the loan subordination, it cost XXXX in discount points which translates to {$1200.00}. This is not a Planet Home Lending fee. This is an unavoidable fee from XXXX XXXX  when there is a subordinated loan. " - Planet Home Lending Mortgage Broker I tried contacting XXXX to confirm their stance on this fee, but their customer service desk was unable to confirm this. 

The subordination was not a new item, it was known ever since the credit report at the beginning of the lock-in phase. 

I'm simply looking for the validation of the following two questions : -  That this is truly a mandatory fee for Mortgages with subordination as mandated by XXXX XXXX  - Shouldn't the Disclosure document have this information from the beginning ( first disclosure ). e.g. Why have a disclosure of fees document, if the fees keep changing.

Company response to consumer: Closed with explanation