BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-16
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: Personal information incorrect

Complaint:
Incorrect information on my personal 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 2015-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America employee - XXXX " XXXX '' XXXX denied submitted hardships on request for loan modification. These documented significant current hardships were ignored per XXXX XXXX. He would not even look on the BofA portal where these hardships are date stamped. He stated according to BofA I had no hardship which is extremely confusing since these documented detailed multiple hardships were uploaded to the bank 's portal. XXXX XXXX repeatedly denied the existence of any hardships and stated repeatedly that no modification would be approved. Thess hardships were caused by seeking a modification for BofA. BofA sent confidential letters to the property where tenants mistakenly believed that this property would be foreclosed. BofA inspectors stopped by the propery also distribing tenants and implied foreclosure, tenants also asked and were granted early termination of their lease due to these false threats. This caused a significant income reduction for me and I asked for a loan modification with BofA due to a increased expense my XXXX loan was reset. There is massive confusion with BofA XXXX day my loan is denied and I am not allowed to appeal even though the underwriters missed the hardships. The NPV were missed calculated and note provided to me. BofA states I have no need for a modification however I have proven, detailed over and over date stamped by BofA I have several hardships. I have XXXX different areas of BofA calling me all of them state I am denied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a HELOC at Bank of America on XX/XX/2023. On XX/XX/2023 I decided to cancel my application during a recorded conversation and followed up in writing with an email. The following day I received a response from my Home Service Specialist to confirm my request and furthermore that I would be receiving a letter confirming this in about 10 business days. See attached emails. 

Instead of sending me an official letter stating my cancellation, on XX/XX/2023 I received an Adverse Action Letter ( see attached ) dated XX/XX/2023 which is 6 days AFTER the date of cancellation. Bank of America is not being honest, truthful or ethical.

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 2022-11-16
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: CITIBANK, N.A.
State: DC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I recently was asked by my accountant about XXXX charges from the same company that seemed strange to her. When I saw them I knew that I had never made the charges. Both were from a company called XXXX XXXX XXXX charge was for {$690.00} on XX/XX/2011 the other for {$1900.00} on XX/XX/2011 Due to an extended time out of the country I did not notice the charges until brought to my attention by my accountant. When I reported the unrecognized charges to Citibank they said they would credit my account immediately and issue me knew credit cards because the charges may be fraudulent. I received a new card in a matter of days but have not seen the promised credits. I called Citibank last week and now am being told that they have no record of my original call and disposition of the fraudulent charges. I feel Citibank is lying to me in order not to have to issue my refund. I have never done any type of business with XXXX XXXX and reported that fact to Citibank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-16
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:
I looked at my credit report and saw that the credit reporting agencies had placed fraudulent collections on my record. The attached documents indicate what information is falsely reporting and it is doing so in violation of federal law.

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 2022-11-16
Company: Experian Information Solutions 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2022-11-16
Company: National Credit Adjusters, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
( National Credit Adjusters po box XXXX - XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX XXXX XXXX : XXXX Fax : XXXX ) Has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

15 U.S. Code 1692e - False or misleading representations

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I received mail today from Chase regarding my XXXX Rapid Rewards Premiere VISA Signature credit card. Enclosed was a replacement card ( for Chip & Signature use ) along with printed materials about the card. Nowhere in the printed materials did it disclose the {$99.00} annual fee associated with this card. These do invite the customer to consult XXXX for more information -- but no where on those online materials is the amount of the annual fee mentioned, not even in the " Terms and conditions '' pop-up window at XXXX. I had to call the XXXX number, wade through a voice menu, and speak to a customer service agent in order to be reminded that this card carries a {$99.00} fee. When I asked to be downgraded to a version of this card without an annual fee, I was told there was n't any. The only way to avoid the {$99.00} fee ( to be charged next on XXXX/XXXX/2015 ) was for me to close the account -- which I did, despite the negative impact on my credit score this entailed. 

In short : Chase is hiding the annual fees these cards carry from their customers, a dishonest and short-sighted business practice, and requiring customers to degrade their credit scores in order to avoid them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: Collection Bureau of the Hudson Valley, Inc.
State: ME
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Once again this company has disrupted my day and called me during business hours when I have clearly told them to no call me from XXXX XXXX Constantly calling claiming I owe them 1000+ when I already settled it with the insurance agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: NC
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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2022-11-16
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I contacted Citibank in reference to The charges below which were not Authorized by me, The card holder, XXXX XXXX. See XXXX transactions below. 
Unauthorized charges on my Citibank XXXX XXXX Totaling Amount {$6300.00} Ive contacted OHIO XXXX XXXX 3 times and no response. Phone # ( XXXX ) or ( XXXX ) XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$18.00} XXXX  online @ XXXX XXXX. XX/XX/XXXX {$41.00} XXXX  online @ XXXX XXXX. XX/XX/XXXX {$150.00} XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$10.00} XXXX  @ XXXX XXXX. XX/XX/XXXX {$10.00} XXXX  @ XXXX XXXX. XX/XX/XXXX {$450.00} XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio  XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX  XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$7.00} XXXX @ XXXX XXXX. XX/XX/XXXX {$10.00} XXXX  @ XXXX XXXX. XX/XX/XXXX {$10.00} XXXX  XXXX @ XXXX XXXX. XX/XX/XXXX {$27.00} XXXX 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 2016-05-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I have a joint youth checking account with my son. He was a victim of a scam. He was approached via XXXX by someone asking if he would like to make money. He sent them his debit card. The scammers then deposited a counterfeit check into his account and went on a shopping spree. The bank now states that we owe them $ XXXX. I do not feel that we should be held liable for the amount owed because we were victims of the scam. At no time during the history of the account has a deposit that larger ever been made, as well it was common for the bank to hold his actual deposits before releasing funds. I believe the bank should have noticed the large deposit and at the very least verified the check before releasing the funds. The counterfeit check was drawn on an account from the same bank. It was deposited in a state that has never bee associated with the account and all the charges were made in a state where the account had never been used. I also have an account with this bank and they have called me before when I was traveling to verify transactions. Why this was not done I can not say. My son is young and fell for a scam. He has learned his lesson but should not be held liable for the criminal activity of others. 

I have included the last XXXX bank statements showing that this activity is completely out of the ordinary for this account. This account has never had a returned item, or a deposit over {$500.00}. The activity should have drawn a red flag as soon as the deposit was made. The fraudulent deposit was drawn on another customer from the same bank in the amount of $ XXXX. I would think the bank would not only verify the check with these customers, but also verify the deposit with us before releasing funds. 

The loss is a result of the bank not having the proper security measures in place and or active. It is not a result of our negligence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Mountain Run Solutions, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Alleged debt was incurred back in XXXX with a security monitoring company named XXXX. I was in military and moved in XXXX from property where alarm system was located. Now apparently the company sold debt which is over XXXX  years ago stating debt was in XXXX for {$540.00} Company name is MOUNTAIN RUN SOLUTIONS.. This company has also even calling and harassing and threatening me. In addition, they have reported this on my credit profile fraudulently and has caused significant harm to my life. My credit score dropped XXXX points preventing me from purchasing a home and high interest rates. They have now falsely reported on my credit report that account was opened in XX/XX/XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Experian Information Solutions Inc.
State: IL
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 have inquires on my report that i did not authorize on my experian and they are as follows XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/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 2022-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Kohls I had only a XXXX credit line I didnt go over that but closed the account. They list in my report I am 195 % credit usage adding their fees above my XXXX limit as usage. Which is incorrect they have that my past due amount is {$580.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2022 went to XXXX XXXX in XXXX XXXX Texas and inquired about getting new car they specifically stated they will do a soft credit pull, but unfortunately they did a hard pull, then today XX/XX/2022 I get a report on all 3 credit bureaus about hard pulls on like 20 companies that I don't know off nor have heard them, contacted the companies and they don't have an account with me after not giving me an explanation on who authorized or when or why, called XXXX, called the credit bureaus, called everyone and no one has an answer no one is taking responsibility I'm now stuck with hard inquiries that will be in my credit report that I have no knowledge of

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2021 Credit reports were ordered from the three major credit reporting agencies. Once again Equifax refuses to provide credit report as they have refused before and will only comply with a formal complaint to CFPB. XXXX and XXXX  have sent the reports without prejudice. Equifax has refused to send my report year after year in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Backgound : We are snowbirds and own two homes. Our permanent & billing address is in XXXX. We were in XXXX ( our summer residence ) when my card with Capital One XXXX. The Post Office in XXXX didnot forward the replacement card that Capital had sent to my XXXX  residence. I called Capital about the situation, that we would not be back in XXXX until XXXX due to some health issues. The Capital One employee said no problem, she would issue me a new Card and send it to my Summer home address. 
I received the card, activated it, and used it to purchase groceries on XXXX at XXXX in XXXXXXXX XXXX. While at Walmart making a purchase, my card was denied, while still in the store, I called the Fraud depart at Capital One to let them know that I had the card. I was not asked the typical security questions that would identify me, but instead was told that my card was restricted until I send in : 1.Name & Address ; 2. Phone Number, 3. Proof of address -utility bill 4. copy of my Social Security Card 5 . Copy Front & Back of my Driver 's license. I did not have to furnish that info when I got the card. They wanted me to upload in an Email. I explain that I was not comfortable sending all of my info over the internet, I would mail. I also explained that my SS card was in XXXX in a safe. They would not make an exception. So I mailed everything listed above except SS Card, but put a copy of my Pasport to prove who I was, and mailed it to them by certified mail. That was not acceptable. So when we got to XXXX this month XXXX, I contact Capital One again, and this time I did email everything that they requested. Two weeks go by, I hear nothing, so I called and the goal post has now changed again. The associated said that my Driver 's License was blurry ( I scanned it in, it was not blurry on my end ), and that the utility bill was in my husband 's name, not mine, ( even though he is on the account it didn't matter to this girl ). She now is requesting a copy of my Bank Checking Statement with the whole account number visible!!! I hung up, knowing that they for some reason was not going to lift the restriction. I have been a long time customer 10 plus years, always paid my bill in full and early. I even paid the amount that I owed while my cared is on restriction, why would I do that if I am not the person on the card?? 
Please help me solve this problem. I have reward points on the card that I can't use until the restriction has been lifted. 
PS : I even wrote a letter to General Correspondence Department explaining the situation and crickets from them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
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:
In XXXX and XXXX there were incomplete XXXX  XXXX bankruptcies filed on my behalf that never went to court because of the erroneous filing. 

After this my mortgage company US Bank stopped reporting my mortgage payment. The XXXX XXXX  were erroneous filing and that should not affect the reporting of an account that has a 30 year term. 

In XXXX XXXXXXXX, the liability on the mortgage is an exception. Heres the part of the Bankruptcy Code that excludes long term debt like mortgage.

Section 1328 says, ( a ) the court shall grant the debtor a discharge of all debts provided for by the plan, except any debt ( 1 ) provided for under section 1322 ( b ) ( 5 ) ; Section 1322 ( b ), defining the debts excepted from the discharge, says ( b ) Subject to subsections ( a ) and ( c ) of this section, the plan may ( 5 ) provide for the curing of any default within a reasonable time and maintenance of payments while the case is pending on any unsecured claim or secured claim on which the last payment is due after the date on which the final payment under the plan is due.

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