BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Dear Sir, This is in reference to my home equity loan with Bank Of America. I have issues with the bank conflicting statements. They provide me a certain figure eg {$180.00} to be deducted on the payment date. They have deducted {$220.00} without my consent, This is the third time they have done this. Although last two times, I have written a letter and personally gone to the bank to resolve this issue.

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 2021-01-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I have been sending multiple written requests however, the incorrect items listed below still remain on my Credit Report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX/XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} XXXX  XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$470.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: ZENCO COLLECTION, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Received a call from Tx stating I owed on XXXX vehicles that has my license number attached ( Florida license ) which I have never lived in Florida or have a Florida license. Stating they have sent me letters to last address and current address which we have not received. Said I bought a vehicle in 2005 and was repossed by household bank. I have never had a vehicle repossessed nor have I ever heard of XXXX bank. They are saying there is an affidavit in my county and they will garnishee my wages. I am scared to death. They have the last XXXX of my Ssn.

Company response to consumer: Closed
Consumer complaint received 2021-01-06
Company: EQUIFAX, INC.
State: WA
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:
My name is XXXX XXXX I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
I received a call this morning from Macy 's Collection saying I have not paid my bill. I was on the phone on XX/XX/2016 and paid the account while talking with a Macy 's credit person because I needed the paying information. The payment was made and has already cleared my account and Macy 's has not obviously updated their records. It is not 30 days past due and for me to tell Macy 's on XX/XX/XXXX as I called for the total on the account that I was submitting payment then and for collections to call is absolutely absurd. For my account not to be past due to have a recording of Macy 's supervisor yelling at me that I owe them fees and charges and they refused to close the account unless I paid again for the account and all fees has to be against collection regulation. I was called a deadbeat because I was not paying my account. I want all fees waved and I want this account closed with no penalty on my credit report and I want Macy 's to pay for their collection issues. Yelling at me, calling me names and telling me I have to pay now while refusing to close the account unless I pay right now over the phone.

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 2015-07-07
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I had a Debit Card ending on XXXX witch was cancel most likely more than XXXX month ago. 
This Debit card number was cancelled by me, when i ask to be issue another Debit Card ending on XXXX. 
A company name XXXX witch i make business in the past, have in record my old cancelled debit card ending on XXXX. 
Citibank fail to protect my account allowing a transaction go through with this cancel old debit card number. i call City Bank and ask for intermediately refunds of my funds since they as an institution allowed this to happens by not been properly canceling the old debit card. Call second time and was transferred to the Corporate Support Team where XXXX told me that the case was file and just have to wait. Because of this Bank Mistake my account is in Negative and now I can not perform any transaction in my account causing me an inconvenience situation and frustration no allowing me to take my money out to support my family.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: TD BANK US HOLDING COMPANY
State: TN
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I have applied for a Target REDcard while checking out at XXXX of Target stores in XXXX, TN ( On XXXX XXXX ). I made a one-time purchase when I applied ( back in XXXX 2015 ). 
I never received any correspondence from Target REDcard at all. I only received a letter from XXXX collection agency on XXXX XXXX, 2015. I called Target REDcard and they informed that the mail was returned!! ( probably due to invalid address ). I asked for them to contact the Credit Agencies to remove the bad credit that they reported. Target REDcard refused to remove the bad credit reporting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-28
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
So I recently had another complaint with CFPB and it looked like it was resolved. Thought everything was fine. Now the Citi CC company is making responsible once again for fraudulent charges. I got my bill in the mail and they are saying that i spent {$840.00} which I thought was resolved. They sent me a bill saying that I used my card back on XXXX which I know is a lie. I just recently got this card when it transferred over from XXXX Costco CC. So my complaint is why am I being held responsible for this???? I thought Citi made it clear to me that these were fraudulent charges .... I wish Costco would of not swicthed me over to this Citi CC. They are the worse CC company that I have ever dealt with. If you own one of these cards, be careful and try not to use it. They will make responsible for charges that you didnt even make.

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 2016-07-05
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a Citi Bank Citigold Checking account earlier this year. I signed up for the account as part of a promotion Citi Bank was running, whereby they promised to award XXXX XXXX XXXX miles to any new customer who completed a few requirements. I had never been a Citi Bank customer before and met all of the requirements ( two consecutive monthly bill pays and minimum {$1000.00} debit transactions ). When I signed up for the account, I spoke directly with a Citi Bank representative, and they confirmed to me that I was eligible and would received the points after completion of the tasks. It has now been over XXXX months since completing the requirements, and although Citi Bank confirms I completed everything satisfactorily, they have told me I will not receive the points. This seems unacceptable to me, as they told me at account signup that I was indeed eligible, and I have been paying a monthly fee for the account ever since. I completed all terms required for the promotion, but not they have chosen not to hold up their end of the deal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-06
Company: Experian Information Solutions Inc.
State: PA
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 have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2016-05-26
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have a Home Equity Line of Credit with Citibank. They obtained and are charging me for home owners insurance even though I ALREADY have my own policy. I have sent my own policy information to them multiple times yet they continue to charge me and keep their own policy in effect. I am paying for XXXX policies. 

My own Home Owners Insurance is provided by : XXXX XXXX XXXX - account number is XXXX XXXX My Broker is 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 2021-01-06
Company: Experian Information Solutions Inc.
State: LA
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 feel so stress about my credit report. I've sent disputes last XX/XX/2020 regarding to those unknown and inaccurate accounts on my credit report but it's 90 days now but there's no response yet. I demand to immediately DELETE those accounts or I will file a litigation.

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 2015-08-05
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
One Main Financial has been calling our office XXXX times a day for several weeks trying to contact one of our employees. This particular employee is not located at our office. They have been rude, threatening and said they were sending the police and their lawyers after us. I have told them politely on numerous occasions I will not give them any personal information regarding our employees. This is an employee personal matter and has nothing to do with our company. They have pushed my patience and I have been insistent they stop the disruptive, harassing calls yet hey do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Early Warning Services, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This has By far been the absolute worst Experience ever. Im a victim of identity theft. Being treated like the one. Ive been violated in the worse ways ever because of this fact. From Tax returns to Bills and Vehicles. Because of this Im recovering from XXXX. 

I was made aware of several accounts and loans have been opened in my name. Banking institutions as well and they have placed abusive and derogatory remarks on my profile. Making it extremely hard and nearly impossible for me to live and provide for my children as Im a single mother of XXXX. 

Im trying to hard not to fall back into XXXX but this is really hard. I dont feel I should have such things placed on my public profile. Being the fact that Im a know victim of ID THEFT. Because of that Ive been on a never ending quest to restore my name and reputation. 

These remarks are abusive and not true & Theyre causing grave hardships and I fear irreversible trauma on my mental XXXX. 

Two weeks ago I submitted an application to open up an account and it was approved. They sent a letter stating that I was denied due to being in 3 party data base called XXXX. I called the number given after waiting for 20 minutes. I was Advised that I was in fact in their system with two banks. Reason being fraud!! Im devastated ... I cant function with this information on my public profile and its fraud. Im a business owner and I cant conduct my businesses effectively without this cancer being removed. 
I called to speak with the fraud department and the representative was really disgruntled and impatient. She basically told me I committed fraud although I had no idea what had been done. They refused to give any info and instead sent a letter of debt. This organization would not even tell me what caused the problem. 

I called the second bank at hand and they too were very rude and I received minimal assistance. They both insisted I owed a debt and refused to assist me unless a payment was made. Please help me I have filed an FTC as well .. XXXX XXXX AND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was pre-approved for a house loan by Bank Of America XXXX BOA XXXX. I found a house that was for the amount of the loan. Did everything, supplied everything that the bank asked for. Even financed my car, with the intention of financing it with BOA. Had the house inspected, paid for a credit report, had insurance put on the house, all of this at the request of BOA. Getting everything set to close on this house, and at 2 weeks before closing, BOA denied the loan. Why pre-approve a loan and put me through all of this and then deny the loan? Bank of America is the absolute worst financial institution to apply for a loan. They give false hope, they discriminate against women, and they have no intention of granting an approval if you are n't making mega amounts of money. I am very disgusted with this Banking Institution and would advise anyone who is seeking a house loan to seek it elsewhere.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: Caneel Capital, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Trinity Financial Services LN XXXX XXXX XXXX CA XXXX We have been calling Trinity for the last several days. It goes right to voicemail and no one will pick up the phone, nor will they return our phone calls. 

Have they closed down? Have they been seized by the Feds?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: Southwest Credit Systems, L.P.
State: ME
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XXXX I rented a home XXXX .I only rented the home for about 9 months. I had XXXX as a internet and cable provider. Around XXXX XXXX contacted me and stated that I owed them {$200.00} for unpaid cable bill. I told them I had not lived there for years and I had paid my bill and had my services turned off when I moved back XXXX. They insisted that I pay this bill 2 years after I had moved out. The last two times in XXXX and XXXX I have applied for credit this shows up on my report. I do not owe these people one dime and yet they filed a negative report. The people of XXXX are crooks ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-03-16
Company: Southwest Credit Systems, L.P.
State: DE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is my XXXX COMPLAINT. I contacted CFPB this week and you have no record of my original complaint from XXXX : # XXXX. I paid this debt to XXXX on XX/XX/2014. I have attached that payment backup. I provided this to Southwest ... to XXXX ... and once before to CFPB. I absolutely refuse to pay this debt twice no matter how long Southwest Collections appears to be able to stall CFPB on resolving the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage through Huntington and had setup a checking account with them as well for the purpose of having a Direct Deposit into the account in the amount of my mortgage to be swept out each month to satisfy the terms of the note. I received a call today from Huntington. After verifying who I am and saying she was with Huntington the very first question the rep asked me was " Do you have intentions on keeping your home at X address? ''. As it turns out there was a error with the online $ transfer from the checking account to pay the mortgage. I immediately gave her a check over the phone. When I asked why she would ask such a question the rep said that is how they are trained to start the call. This is a psychological game meant to infer that the bank has intentions of me NOT keeping my home. Its reprehensible to use such tactics on customers. I requested her supervisor who I was transferred to, XXXX, who confirmed that is how the reps are trained. He preceded to be trite and rude, but I 'm less concerned with the poor choice in supervisor staffing than I am with a large financial institution using psychological scare tactics in their call scripting on a massive scale.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Knight Adjustment Bureau
State: UT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The collection agency will not return my calls, or allow me to speak to anyone. The daycare XXXX XXXX in XXXX Utah is charging me for days my child did not attend. 
I was told from the daycare manager they scam single mothers all the time to collect more money. My child was mistreated, and i was pregnant and unable to work and was continuously charged even after i advised them prior. Please help me. These charges are unjustified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off my mortgage loan on XXXX XX/XX/2022. I wired {$330000.00} to NewRez. This represents an overpayment based on the debt reported on my credit report of {$320000.00}. I called NewRez and that they stated that a underpayment was received and this delayed settling the loan. They calim to have received roughly {$10000.00} less than I sent. I have now emailed them repeatedly and they do not reply to my requests for information and updates. It is now XXXX XXXX, more than a month later, and the debt still shows on my credit report and I have received no communication from newRez. i have also not received any money that is still owed to me for the payoff of the mortgage I attached a bank statement showing I wired the {$330000.00} to NewRez on XXXX XX/XX/2022 and it specifies the loan number to be paid off and my name

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 2016-06-06
Company: POPULAR BANK
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have been making my monthly payments though automatic payment though my bank 10 days before the due date every month. Last year I discovered that my credit report was stating that my payments were late every month for over a year. I contact Popular Bank and they were missing 2 payments. After I emailed them this information, the issue was fixed. After that it took them 3 months to fix the mis information that had been reported to my credit. This was in XXXX 2016. Since then they have once again started to report my payments late again for the last 2 months. I have contacted them again and was told my account was up to date and to send them my credit reports again. I should have to call this company every month to make them do their job.

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