BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-11
Company: DISCOVER BANK
State: FL
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:
Hello, I had a discover credit card for several years and it was unexpectedly suspended on XX/XX/XXXX. When I called customer service to inquire about the reason, I was informed that they needed to verify my income and that I needed to sign tax form 4506-C to obtain tax return information from XXXX and XXXX. When I asked about the reason for this sudden inquiry, they refused to give me a specific answer and also refused to tell me how long the process might take. I signed the form as requested. I followed up in few days and I was told by the agent that I needed to refill the form and to leave a certain line blank. I was reassured that the corrected form will be used. I also offered to provide more documentation to help facilitate the process and explained to the representative that I had started a higher paying job few months ago and that I am willing to share paystubs or employment contract as proof of income. I was told that was not necessary. Few days later ( XX/XX/XXXX ) I noticed that the mobile app access was resumed but the account was still not active. I had not been notified of any updates from discover. I called customer support and I was informed that my account was closed and they refused to tell me why. I requested to be directed to a supervisor to file a dispute and I was denied that opportunity. I received an email afterwards which states they were not able to verify my income and that my account was closed. 

I have good credit score with excellent financial income and I had never missed a payment. I have always paid my full balance and made a conscious decision to pay my balance in full to avoid paying interest ( which makes me question the motive behind this account closure ). It is distressing to be treated so disrespectfully like this, let alone the financial consequences that this will have on my credit score for a long time. The company was dismissive and made no efforts to follow up, provide updates, or accept my offers to provide additional documentation. Reading other complaints, this seems like a common predatory practice that discover does to close unprofitable accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have an American express bluebird prepaid card and I have held the main account, as well as up to XXXX sub-accounts and I have never had an issue go unresolved like this one. My subaccount had XXXX charges come up that were fraudulent. I called and the representative helped me start a dispute and a few weeks later I received an email letting me know the dispute was denied and had generic list of the reasons for the denial and it said for me to get the exact reason, then it must be done in writing, which I did. Sadly, I never received a response. So I called and the representative said they had never received my request and to file the dispute again, and a few weeks later, i I received the email stating my denial again. I wrote in again requesting the exact reason and I didn't hear back. This went on ateast XXXX or 4 times and I kept getting denied.These were legit fraudulent charges but American express would immediately shut me down. Finally, I received a letter stating that through their investigation, they have concluded that I made the charges. I wrote back requesting any evidence they had found because I knew if they pulled the security footage, I wouldn't be the XXXX swiping the card because for XXXX I live in Warrior, AL and XXXX of the charges were made in Georgia. They told me that they didn't have to show me the evidence but they weren't giving me my money back. I wrote the XXXX XXXX XXXX and had some correspondence with American express but again at the conclusion of the XXXX  filing, they again refused to give me the money back. I don't know what else to do. It's not something I would make up nor have I had this happen but once to the main card account and they credited me immediately. I'm going to attempt to get a resolution with this email and if not, then I will seek legal representation. 
XX/XX/2021 XXXX ATM XX/XX/2021 XXXX ATM XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These charges are fraudulent and I need my money back. I am a single mom of XXXX girls and I work hard for my money. My contact info is XXXX or XXXX. The card number that is in question is not the main account but unfortunately, I was so mad about this denial that I through quit using all of the cards. I do know the card number for the subaccount it's XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-03
Company: Risecredit, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Letter sent to Rise Credit on XX/XX/XXXX, which is the 2nd attempt to fix this problem : Attn : Customer Support XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Fax ( XXXX ) XXXX Re : Loan # XXXX ; amount {$1900.00} Facts of Concern : 1. This is not a case of theft or fraud, because there is no evidence in my credit file or problems with any creditors that would indicate that either my identify or credentials have been compromised or breached. 
2. I never applied for a loan in the amount shown above ( {$1900.00} ) at any time. 
3. I will provide Rise Credit with any documentation upon request that is needed to expedite resolution of this matter. 
4. I have been paying on Loan # XXXX ( unknowingly ) which was [ erroneously ] assigned to me by Rise Credit since XX/XX/XXXX. 
5. Rise Credit knows that Money Movement between accounts of interest [ points of exit and entry ] is easy to track and trace. 
6. The funds were never deposited into any of my bank accounts. 
7. Rise Credit can not provide me with a 'Consumer Loan Agreement ' for funds that I requested and verified by any form of signature in XX/XX/XXXX.. 
8. Rise Credit owes me a full refund of all principal and interest payments that I made on [ Loan # XXXX ; amount {$1900.00} ] immediately. 
9. Rise Credit should remove any and all negative statements ( i.e. Lates, Write-off ... etc ) that they have sent to any of the 3 Credit Bureaus Associated with Loan # XXXX immediately. 
10. Upper Level Management ( High Pay Grade ) needs to conduct an investigation of this complaint to determine the cause of this significant Accounting Error ( i.e.Ethical/Moral misconduct of a Rise Credit Employee/Employees versus an unintentional Data Entry Error by any Rise Credit Employee/Employees ). 

Please be advised that I am forwarding a copy of this correspondence to both my attorneys and to the Consumer Financial Protection Bureau today. 

Your expeditious attention to resolving this credit dispute shall be greatly appreciated. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Braviant Holdings, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Have received mail for someone who does not live here for over 4 years. Repeated requests to remove her from my address. Chic from XXXX XXXX refuses to remove her until I give my SSN and birthdate. I have refused. What can I do to get them to stop sending this?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My Bank of America credit card was compromised in XXXX of 2019 I reached out too BofA too report BofA refuses too help indicating Im responsible I never have used XXXX website

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am attempting to remove the private mortgage insurance ( PMI ) from my mortgage based on the current value of the property. I received a letter from NewRez with instructions for canceling the PMI for my account that stated that I can request and pay for a broker price opinion ( BPO ) to establish whether the current value of the property exceeds the loan to value threshold for early PMI cancellation. 

I mailed a written request for PMI cancellation on or around XX/XX/2019 along with payment for the BPO of {$150.00} ; the check was drawn from the payment account on XX/XX/2019. I have received no followup communication from NewRez regarding the status of the PMI cancellation request. I sent a message requesting the status of the PMI via the online communication portal on the NewRez website on XX/XX/2019 and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: EQUIFAX, INC.
State: OH
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 disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: HUNTINGTON NATIONAL BANK, THE
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I closed my account on XXXX/XXXX/2022. Bank charged me a fee on XXXX/XXXX/2022. Why is the bank charging me a fee on a closed account. This is highly predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Harris & Harris, Ltd.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I receive calls about debt collection yet when reviewing my credit statements, I have no debts in arrears. 

I receive the same recorded message from Harris and Harris Limited to call them at ( XXXX ) XXXX. They call from ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: LEXISNEXIS
State: UT
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:
XXXX I have made a dispute that lexisnexis information is inaccurate and in return I received letter a confirming their information is accurate. On XXXX website it states and I quote " This section includes public record items XXXX obtained from local, state and federal courts through a third party vendor, LexisNexis. '' I'm requesting LexisNexis provided proof of third party vendors that provided this accurate information XXXX, XXXX information which has been provided by LexisNexis states information provided LexisNexis is accurate which in fact isn't. Both information provided by LexisNexis is wrong and inaccurate on both credit reports. Theirs no abbreviations on Federal court documents verifying the government building. the credit report doesn't have the full Federal court government name and theirs no full address of the federal court house on both XXXX and XXXX. By the FCRA any information placed on a consumer credit file needs to be accurate according to the document when placed on a consumers credit file. I request by law for proof of LexisNexis provided their Investigation is accurate.

. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Rocket Mortgage, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2019 I received a notice from XXXX that there had been a change to my credit score. Upon reviewing the details of my credit I noted an inquiry was completed on both XXXX and XXXX by Quicken Loans, dropping my credit score by a total of 38 points and moving me down from an excellent credit standing to good. 

I have not applied for any loans with Quicken Loans. I have not supplied Quicken Loans with my personal information. I have not received any contact from Quicken Loans to confirm authorization to complete an inquiry on me nor complete an application of debt/loan on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I used XXXX XXXX to freeze my credit I didn't authorize any one to report anything! I have been in Chex system since 2004 I have not been able to get a bank account in my name at all! It's all inaccurate

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 2018-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
FRAUDULENT NAMES : 1. XXXX XXXX XXXX 2. XXXX XXXX 3.  XXXX XXXX XXXX XXXX FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX 2. XXXX XXXX XXXX XXXX, XXXX XXXX FL. XXXX 3. XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 5. XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX FRAUDULENT PHONE NUMBERS : 1.XXXX 2. XXXX XXXX. XXXX 4. XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX 9. XXXX 10. XXXX 11. XXXX 12. XXXX 13. 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 2019-12-09
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
FirstBank Puerto Rico has failed to comply with the requirement in section 1024.41 ( b ) ( 2 ) ( i ) ( B ) which states the following : Notify the borrower in writing within 5 days ( excluding legal public holidays, Saturdays, and Sundays ) after receiving the loss mitigation application and that the servicer has determined that the loss mitigation application is either complete or incomplete. '' I submitted a new application for loss mitigation to Mr. XXXX XXXX and Mr. XXXX XXXX on XX/XX/XXXX, see Attachment LM Application submitted XXXX. After 8 working days, as of XX/XX/XXXX, I have not received any communication from FirstBank Puerto Rico. In addition, FirstBank 's underwriter failed to comply with Appendix Q to Part 1026-Standards for Determining Monthly Debt to Income. I. Consumer employment related income. A. Stability of Income. 1. Effective income. " Income may not be used in calculating the consumers debt-to-income ratio if it comes from any source that can not be verified, is not stable, or will not continue. '' Mr. XXXX XXXX, First Banks underwriter, used as effective income a litigated child support that became uncollectible. Moreover, Mr. XXXX failed to comply with Appendix Q to Part 1026, 2. Verifying employment history. a. " The creditor must verify the consumers employment for the most recent two years. '' On XX/XX/XXXX, through First Bank legal representation in the legal case num. XXXX XXXX, FirstBank produced evidence that they documented this requirement with another person income not the borrower, Mr. XXXX XXXX check stubs, see Attachment XXXXAccount Information. In addition, FirstBank failed to comply with HUD Handbook 4000.1 signature requirement on initial application. Initial communications were made with Mr. XXXX as documented in the evidence produced by FirstBank, see Attachment XXXX-Preliminar Request and XXXX Application. Finally, HUD Handbook 4000.1 page 113 prohibits the signing of documents in blank. On XX/XX/XXXX FirstBank had me in a separate office to sign the mortgage while Mr. XXXX was in another office. Various documents had both of our names, but Mr. XXXX never signed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/2022 I notified TransUnion credit bureau that a inquiry a hard inquiry was fraudulently placed on my credit report from XXXX XXXX This has been 3 months no resolution and no response. They have asked me to send in my personal information such as i.d, and ss card through the mail and Ive declined. I've sent the identity theft report from the agency ftc disputing my claim. I've never had this issue before but this issue needs to be fixed. Even provided the report in a recent complaint and this still hasn't been removed off of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: Synovus Bank
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I tried to get a credit card but didn't know what my latest address was and didn't know what my last credit card was.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Early 2020 - fraud charges XX/XX/2020 - Fraud reported within 60 days per the law XX/XX/XXXX - Determined no error occured XXXX - requested complete copy of investigation - was sent nothing except a blank " affadavit of fraud '' This was returned XX/XX/XXXX - told the account was charge off and charges a fee XXXX - threatened to report me to credit bureaus SunTrust is the most corrupt organization I have ever encountered

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