BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-08
Company: EQUIFAX, INC.
State: SD
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 have sent  XXXX  letters requesting removal of the account "  XXXX   XXXX   XXXX  '' from my credit report between all three CBs due to this account NOT being mine.   XXXX   and  XXXX  admitted that they could not verify the account belonged to me, and promptly removed it from reporting. However, even after  XXXX  separate noticed to Equifax, they refuse to remove it. I sent a demand requesting that they disclose ALL information regarding how they verified that this debt was mine, including the name and number of the individual working for Equifax, the name number and title of the person who furnished the information to that person, and all supporting documents. Equifax has continued to ignore my requests. Since they are reporting still to this day, we can assume they claim it 's verified.  XXXX   XXXX   XXXX ,  XXXX  Edition,   XXXX  , defines  Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that   Equifax must be willing and able to produce a document in their files that proves the account in dispute belongs to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against them. Someone in their company must authenticate the documents in their files that were used to verify the disputed account and to do this they must have   1st hand knowledge of the alleged account and all that has ever transpired for the alleged account, under oath and under the penalty of perjury. Verification MUST consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). My request is THE LAW. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.
I demand that this account be removed from my credit file as two other CBs have already accepted that this account is NOT mine and should have never been reported as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I want to file a complaint against Bank of America. I was a victim of fraud and the bank helped the thieves. An acquaintance of mine posted on XXXX a link about a secret shopper job. So I applied and was hired. 
They sent me by mail the first assignment and a check with the funds to do it. I had doubts about such an easy job, but I thought that if the check was valid it would be safe. So on XXXX/XXXX/16 I deposited a check for {$1800.00} into my bank account, and waited for the money to be available. After the bank showed the money in my account I asumed the check was clear, and it was safe to use the money for the job, so I withdrawaled it and used the money. 
On XXXX/XXXX/16 I deposited a XXXX check from the same job, and when I did so the balance of my account was off. 
After checking all the transactions from my account I noticed that on XXXX/XXXX/16 there was a transaction of return item for the {$1800.00}, the bank took back the money without any notice. I called them and found out that the check was n't valid. I asked them why did they acredited the money if it was n't valid and they said that they trusted me with handing them a valid check. 
This is not a matter of trusting their clients, it is their job and responsability to clear the checks before putting the money into people 's accounts making them believe that their checks are valid, and they could use the money. 
I withdrawaled {$1600.00} to do the assignment, because I believed that if the money was already in my account that meaned it was real and I had a job to perform as secret shopper. 
Bank of America failed in doing their job, which is protecting their customer 's money, and now after they realized that the check that I deposited was n't valid they just removed the money from my account, and told me it is my responsability to verify the checks. I thought I did that by depositing the check and waiting for them to validate it. 
Bank of America is helping the thieves steal their clients money, because they make their clients believed that they 've cleared the checks, when they have n't and the robbers must know this. I would n't have fallen in the scam if the bank had n't put the money in my account making me believe that it was all right to use it. 
They never let me know that I had to wait for a period of time to use the money in my account, after I deposited a check and they complete the transaction by showing the money in my balance. 
With this complaint I ask Bank of America to reinburse the amount of {$1800.00} to my account, as well as the return check fee. Also the bank needs to stop paying checks into an account without verifying it beforehand.

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 2017-05-08
Company: BMW Financial Services NA, LLC
State: DE
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I took  my BMW in to  the  XXXX   XXXX   XXXX  DE  location  in   XX/XX/XXXX  to  start exploring getting a new lease since it was up in   XX/XX/XXXX .  While I was test driving they did an exception on my car and when I returned they told me no worries nothing is wrong with your car. Which I expected since it only had  XXXX  miles on it. I hardly ever drove other th an   XXXX    miles to and from work. I decided not to go with  BMW an  instead go with a  XXXX . When we called they said no issues with turning it in early.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  XXXX ,  XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 2017-05-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hello, I would like to put in a complaint agains t Portfolio Recovery Associates LLC.   I was unaware when they sent me a letter dated  XXXX / XXXX /   2015  that a check was enclosed in the amount of {$200.00} in which the letter stated the following : " On  XXXX   XXXX ,  2015 ,  Portfolio Recovery Associates LLC entered into a Consent Order with the Consumer Financial Protection Bureau regar ding out Litigation Department collections calling practices. Enclosed with this letter, please find a check from  Portfolio Recovery Associates LLC ( PRA ) whi ch is a refund check made in accordance with the terms of the Consent Order. '' I have contacted  Portfolio Recovery Associates twice tod ay at  XXXX  and was told by both associates that there is no way that I would be able to get a new check issued or have the check amount applied to my balance of {$500.00} that I still have with them over my debt with my credit card (  XXXX   XXXX   ) a nd I stated to them that I did not understand if the check was not cashed that the money should have gone to the Unclaimed Property for either my state or the state the check was written in, however, they just both said that I was out of luck in the trying to recover the check amount, therefore, I contacted you since you company 's name was mentioned in the letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I went to open an account at Bank of America and the lady entered in all of my information and I was denied an account and given a phone number to call, I called the number and it was Bank of America 's " risk department '' they stated that I had previously had a Bank of America account and it had been closed, I informed them I had NOT had a Bank of America account and I am a XXXX ( I am and have been dealing with it since 2009 ) and the man said that it did n't matter my police report and affidavit would make no difference and I would NEVER be allowed to have an account with Bank of America because the account opened by the XXXX had been closed. When I was filing my XXXX police report the packet they gave me said that no creditor or bank could hold being a XXXX against me because it was n't me. He was extremely rude and since it is illegal to hold XXXX against someone I would like something done about this it is n't my fault someone XXXX and it has been headache enough. The fact that he said I exposed myself to XXXX and that alone made me too risky is extremely offensive considering my XXXX after I got robbed XXXX and the guy stole my wallet.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I never applied for  an amazon.com visa signature credit card from Chase bank USA, N.A but was sent a denial for credit letter which damaged my credit report and credit score. I attempted to contact the company but there was not a single contact phone number or email address to contact them and I can not have my credit further damaged for months while they attempt to sort this out through regular mail. I also attempted to contact them through their website which gave no phone number to call unless you where already a card holder. I feel this is a blatant attempt at fraud for which I am paying the price through my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-08
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
They trying to change the term of the loan agreement I have pay my insurance and my taxes separated and they forced me to get the insurance together with the mortgage I been having making payment on time I have receipt and they send me a letter telling me that I am behind  XXXX  and if I do n't pay in 30 day they will trying to do forcloure and I call them and know they said it 's a mistake that they will let me know later how much I owed them I want them to stop forcing me to have the insurance and mortgage together and explain to me in details all my payments we never received details of my payment

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 2022-01-31
Company: WELLS FARGO & COMPANY
State: CA
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 ran my personal report putting 3 hard inquiries for a corporation that I had not personally given authorization nor guarantee nor my SS #

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 2017-05-08
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have paid off my car loan to the finance company (  Santander Consumer USA  ) and had not received my car title. I tried calling several times to the company and never got to speak to a representative. I received a notice from the company almost  two  months after my last payment and my maturity date of my loan stating I still owe an amount. I called the company again today and was finally able to speak to a representative of the finance company. I asked why did I still owe on my loan since I have paid all the payments in my loan contract and my loan has matured. the representative said it was accrued interest. I believe that is wrong because the interest is paid within the first years of your loan and you do not pay principal until the last years of your loan. I went a year in a half longer than my initial maturity date due to getting an extension on the loan.     At this point, I feel I am getting slammed exorbitant ( fees and interest ) amount for a loan I have clearly paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: EQUIFAX, INC.
State: CO
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:
equifax has put a security freeze or ID theft alert on my credit report without my authorization. They did this because i caught them in a lie about information they are reporting. This alert is impacting me from getting credit and they know it and they are violation federal law.       XXXX   is the one who put the fraud alert on the report then they notified Equifax and  XXXX  to do the same.     I DID NOT AUTHORIZE ANY FRAUD ALERTS OR SECURITY FREEZES AND THEY ARE TO BE REMOVED IMMEDIATELY. THEY ARE SAYING THAT I HAVE TO SEND IN A WRITTEN REQUEST THIS IS INCORRECT, THEY DID A FULL ID VERIFICATION ON ME AND STILL REFUSE TO TAKE THE ALERTS OFF MY REPORTS.     THIS GOES FOR ALL  XXXX  BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Payoff process

Complaint:
Dear CFPB : FYI - Here is my self explanatory follow-up letter to XXXX XXXX at Citibank for my case # XXXX regarding my Citi Card account. I would appreciate your follow-up with Citibank, as I still think their practices with seniors and others financially damaged by circumstances beyond their control are abusive and predatory. I removed my letterhead and signature along with my Citi account # before sending a copy of this letter to you. Feel free to share this information with those deemed appropriate and to add this letter to your database for complaints against Citi. Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Credit card
Issue: Billing disputes

Complaint:
I ordered plane tickets and hotel rooms on my Visa Signature XXXX card. We had to cancel XXXX tickets and buy another. That is not the original issue, although it will come up later. I called to pay the updated bill on the XXXX/XXXX/16 even though the billing date on the statement I received was XXXX/XXXX/16. I got the corrected number and was transferred to the payment department. They tried to charged me the amount for the canceled tickets plus interest. After we got the balance corrected, they still tried to insist that we pay interest, even though we were before the bill due date. After arguing for a while, they conceded the interest and we tried to pay the full amount of XXXX. However, my debit card had a limit of XXXX. So we told them we would call back in a day or so to pay the rest of the charges. 

So when we called back on XXXX/XXXX/16 to pay the remaining XXXX. They again tried to charge me for the tickets I had canceled ; we cleared that up, eventually. Then they tried to insist that I owed them interest BECAUSE I had made a partial payment on XXXX/XXXX/16. They wanted {$20.00} in interest from XX/XX/XXXX-XX/XX/XXXX, equaling {$5.00} a day. On top of that, they continued to insist that there might be more charges if I did n't pay the interest that I was disputing. I told them that I would not be paying the extra charge and ended the phone call without finishing my payment of XXXX because they had made me so upset. 

On the statement they sent me, it states clearly that : " We will not charge interest on purchases on the next statement if you pay the new balance total in full by the payment due date, and you had paid in full by the previous payment due date. '' I did not have a previous balance and the due date had not passed. 

I will be trying to pay the undisputed amount again without paying the interest. However, I wanted to make sure someone knew what they were trying to do.

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 2017-05-08
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have just noticed that my credit fell from  XXXX  down to  XXXX  because  XXXX   XXXX   XXXX  made a hard inquiry or the inquiry was removed.  Either  action was done without my consent, and I am being penalized my Equifax  Credit Reporting Agency for this action. The action was done   XXXX   XXXX ,  2017. Credit Reporting Agency  has continue to penalize my Credit score frequently for actions that I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
SALE DATE SET FOR TUESDAY XX/XX/2017!!!!! 
A modification package was sent in on XX/XX/2017. Please see attached email confirming that information. The homeowner has a sale date set for XX/XX/2017. We have been contacting SLS on a weekly basis since that week. Each week they have asked for ONE thing. Homeowner has diligently complied with every request to the extent that a full narrative would not be productive. SLS is now stating they did not have the file 37 days prior to the sale date which is inaccurate. SLS is refusing to properly review the file and stated that they are foreclosing on the home. This complaint is being sent in for numerous reason. XXXX has been discriminated against based on his race, ethnicity, language and national origin. The number of times that we have spoken with SLS to check status of the file should extinguish any opportunity to excuse their behavior. 
The attitude from the employees and or managers in unacceptable. Furthermore, SLS does not know how to properly review the file. There is NO reason for this to be happening. The file made it to underwriting and they are STILL refusing to postpone the sale date. They are in violation of the CA homeowner bill of rights and are dual tracking. Today on XX/XX/2017 employee by the name of XXXX confirmed they are dual tracking. he stated " they are aware of California laws and are still foreclosing, '' Supervisor XXXX was informed of all issues and the fact that they had the file since XX/XX/2017, and refused to offer any assistance. The events described above are just a sample of the practices that are taking place with SLS. 
There are additional numerous issues. 
1 ) Failed to timely respond to loan modification applications ; ( 2 ) Failed to accurately inform what information was missing in order to process their loan modification application ; ( 3 ) Falsely stated the application was missing information that had already been provided on numerous occasions ; ( 4 ) Denied borrowers ' loan modification requests without an appropriate explanation ; and ( 5 ) Wrongfully threated foreclosure while a borrower 's application was still under review. 
We will be filing a complaint in district court if the sale date is NOT postponed.

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 2017-02-22
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Advertising and marketing

Complaint:
Re : : Application ID # : XXXX-XXXX Hello, I am writing because I recently applied for the Citi XXXX Platinum card and was approved for XXXX miles. 
I then receive another invitation via US Mail, that invites me to apply and says that I can have XXXX miles. Using XXXX # : XXXX. That is a vast difference of XXXX miles that I feel I am rightly deserving of. 
I would like to know if CitiBank will make it right, or who else must I write a complaint letter to to get this error in judgement corrected? 

Thank 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 2021-12-24
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:
I am making a report concerning Equifax, XXXX and XXXX are currently reporting accounts that are in XXXX. All laws are being violated According to XXXX XXXX XXXX XXXX. I need all accounts DELETED immediately. My rights are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
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: Information belongs to someone else

Complaint:
I am making a report concerning XXXX, TransUnion and XXXX are currently reporting accounts that are in Litigation. All laws are being violated According to 15 US Code 1666. I need all accounts DELETED immediately. My rights are being violated.

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