BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-25
Company: Dovenmuehle Mortgage, Inc.
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Have yet to receive a mortgage statement from our servicer Dovenmuehle. We received our very first statement when we purchased our home, and have paid. Since that first statement we have not received one, I have called a few times and have been told that it was mailed, twice now, I have yet to receive the mailed statement. I do not wish to be late on our payments. The reason we do not pay online is due to the fact myself and the co-owner like to write separate checks for the total monthly amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
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:
On Saturday XX/XX/2021, I tried making a payment on my card using capitals ones website and the app but for some reason it identified that I dont have any acccounts to service at this time. This affected me so much due to the fact that it is XXXX XXXX weekend and I needed to make a payment on my account to use my credit which is a XXXX given right that shouldnt be deprived of. I dont why my account would be removed from their online database as online banking is an important role in todays society. I wasnt able to purchase food and gas through my card. I suffered damages of having to borrow money from someone else with interest applied. I dont understand how capital one could make an error and not inform me this act is devastating. XX/XX/2021 I called capital one to ask them why my account has been deleted from the online database without my request or informing me. I was told I would need to re enroll again to continue my online banking as I did before. This is a disgrace to me the consumer and even if capital one isnt aware of this computation error they are still liable for damages under 15 USC 1693H. Thank you so much Consumer Financial Protection bureau for protecting my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Credit Karma, LLC
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Credit karma offers a credit cards and then you get denied and my credit has dropped. It is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
Citibank called XX/XX/XXXX to tell me the payment mailed on XX/XX/XXXX was never received, so I made a payment over the phone. My statement showed a payment credited on XX/XX/XXXX and a payment credited on XX/XX/XXXX, which they told me on the phone paid full amount due. They then charged a late fee, creating an unpaid balance and charged an additional late fee in XX/XX/XXXX. I called and they said pay us {$42.00} and it will pay you in full through XX/XX/XXXX which I did. Then I mailed out XX/XX/XXXX payment so I would be paid a month in advance so they could n't play the late fee games again, clearly marked on the check and billing invoice XX/XX/XXXX payment. Instead, they credit the payment and bill me for XX/XX/XXXX again. Because I closed the account they will not allow me to make online payments, and they will not allow me to make a payment a month in advance. They are setting me up at the mercy of the postal service so they can claim late payments and charge fees. I made 2 payments in XX/XX/XXXX and 2 payments in XX/XX/XXXX because of their deceptive practices and I 'm still at risk of their charging me {$35.00} late fees.

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 2022-05-18
Company: EQUIFAX, INC.
State: AL
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:
In accordance to the fair credit reporting act, the list of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Identification number XXXX Claim amount {$0.00} Date filed XX/XX/XXXX Status Chapter XXXX bankruptcy XXXX. 
XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status XXXX in settlement. {$15000.00} written off. 
XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$25000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$25000.00} written off. {$25000.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status XXXX, XXXX. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States - I have a right to privacy.

15 U.S.C 1681 section 602 A section 2 states - a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code Subchapter III 1681 : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code Subchapter III 1681b : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code Subchapter III 1681c : ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S. Code Subchapter III 1681s-2 : ( a ) Duty of furnishers of information to provide accurate information ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Receivable Management Group, Inc. (GA)
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Doctor was paid by insurance after they appealed due to 'out of network ' status. Doctor chose to accept insurance payment and write off remainder. I have statement from doctor 's office showing XXXX balance that I owe. Debt collector, however, apparently did not receive the settlement notice from the doctor 's office and is continuing to pursue the balance from me a year after doctor 's office accepted settlement.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: AL
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:
In accordance to the fair credit reporting act, the list of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : US BKPT CT AL  XXXX Identification number XXXX Claim amount {$0.00} Date filed XX/XX/XXXX Status Chapter XXXX bankruptcy XXXX. 
XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status XXXX in settlement. {$15000.00} written off. 
XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account number XXXX .... 
Recent balance {$25000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$25000.00} written off. {$25000.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status XXXX, XXXX. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States - I have a right to privacy.

15 U.S.C 1681 section 602 A section 2 states - a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code Subchapter III 1681 : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code Subchapter III 1681b : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code Subchapter III 1681c : ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S. Code Subchapter III 1681s-2 : ( a ) Duty of furnishers of information to provide accurate information ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2016-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking account in Bank of America about one month ago. Before that, I did n't have any business relationship with BOA. 

After getting my debit card, I tried to activate it. But when I made the phone call, the custom service told me that my account is permanent closed by BOA. And I can not have any account for lift time with Bank of America. When I asked the reason, BOA risk department just told me again and again : " It is a business decision ''. 

I do n't understand why BOA first approved my account application and closed it immediately. I did n't do anything harm on BOA. And considering I never owned a BOA account, debit card or a credit card, I really can not understand why BOA did it.

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 2016-12-22
Company: BB&T CORPORATION
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
BB & T 's response to a previous complaint raised other issues that we have heard for the first time - that they are not an authorized servicer. Throughout the course of this loan there has been lack of notice on many things including who is the authorized servicer. The last of notice being currently that we have not received notice that BB & T is not the authorized servicer along with the pertinent details that should be in such a notice. We have not been informed of who is the new servicer is and the pertinent details that should be included in such a notice as well. We discovered the fact that BB & T claims that they are no longer the authorized servicer as one sentence that was casually mentioned in the middle of a response letter received from BB & T to a complaint we filed with the CFPB regarding lack of notice on mortgage loan ownership dated XX/XX/2016. See attached letters, one dated XX/XX/2016 where BB & T claims that they are the authorized servicer and then on XX/XX/2016 where they casually mention the alleged change. We have received no other correspondence from them regarding this alleged change in who is the servicer of our loan and all the pertinent details that should accompany such notices. 
BB & T also knows that we are submitting a mortgage modification package and knowingly put us in a position where we have nowhere to send it as we have not received notice of transfer or notice from the new servicer. We feel that this is another deliberate attempt to thwart our efforts to execute options for us to retain our home that we have lived in for the last 18 years. 
We would like BB & T to answer each of the following questions directly, completely and not be evasive : - 1. Was or is BB & T ever allegedly an authorized servicer for XXXX who they allegedly claim owns the note, if so during what dates was BB & T allegedly the authorized servicer? 

2. If now you are revealing that BB & T is allegedly not an authorized servicer for XXXX then who allegedly is the new servicer and since what dates. 

3. When will we receive a notice of transfer of servicing from BB & T? 

4. When will we receive a notice of new servicer from the new alleged authorized servicer?

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 2022-05-18
Company: Albert Corporation
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was hopeful, being the victim of fraud, that Albert would comply with the law and not hold me liable for the fraudulent charges since I reported on time and took the appropriate steps on my end. Unfortunately, it feels like the financial services company, is more interested in trying to find reasons in which to deny claims then they are into trying to assist their customers. Being that they're not a bank, but indeed a financial services company, makes their actions even more questionable. Im left feeling as though they're more interested in holding onto their own profits than doing whats right for their customers. But there are laws, there are rules and there are regulations for a reason. And occasionally, they get tested. 

Their careless handling of a minor claim, due to either their incompetence or greed, is not acceptable to me and I will not accept it. I'm incredibly frustrated with their lack of professionalism and the disrespectful way they managed my claim. It's such a waste of my time to have to do this. I understand mistakes are occasionally made ; but this was just unacceptable on so many levels. I would like to give you one final opportunity to reconsider my fraud claim. Im certain that if you do you will find my claims are in fact substantiated and that fraud did take place. Additionally, youll find that I properly reported it, disabled my card and attempted to reach out to you numerous times ; all in an attempt to prevent this and correct it before it got worse. However, I wasnt met with a reliable partner, I was left with silence and ignored while I tried to figure things out on my own.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
The balance of this loan from XXXX XXXX XXXX of XXXX, XXXX, was discharged as part of a chapter XXXX bankruptcy, and is reflected as XXXX balance on my credit report. I received a letter from Trans World Systems of XXXX, XXXX, stating that the balance of the loan is now with their agency for collection, and the want the balance in full, with and almost {$800.00} fee. I believe this is fraudulent. In the letter they sent, there is no phone number to call, and the website they list requires information to log in that was not included. The letter states that if they do not hear from me in 30 days, that they assume the debt is valid and will pursue collection. I doubt the validity of this letter, the company, and their access to information which is no longer valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: TX
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:
I disputed accounts reported by credit bureaus under my Social Security number they were deleted however they have been reinserted on my report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), credit bureaus are required to notify me of the reinsertion in writing within 5 business days, ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-18
Company: Experian Information Solutions Inc.
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:
on XXXX I sent letters to Experian, XXXX, and XXXX regarding inaccurate and unknown things that they are reporting on my credit report. 
I have yet to receive a response for the items that needs to be corrected. I feel like I have been reaching out forever about this situation and I feel that I am being taken advantage of also being ignored. Correcting this information is very important to me as it is hindering me from the Employment that I am seeking. Experian, XXXX, and XXXX are acting as if my needs aren't important to fix my disputes. 
Section 611 ( a ), plainly stated, a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. it has been over 45 days and still have not received a response with this information corrected. the items need to be deleted promptly. 
I will file for litigation due to the stress that I am going through to get these items deleted from my report. 
The Credit Bureaus have also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ) Each bureau is supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). These account needs to be deleted for inaccuracies. I will attach a picture of the violations that are being reported. 

How is it possible for each Credit Bureau report in payment history Ok and Past Due in the same month? Also have 3 different dates last active? this picture is full of violations, and they need to delete this account from my credit report because it isn't accurate here is Tracking numbers for XXXX XXXX XXXX XXXX XXXX XXXX Here is Tracking Number for XXXX XXXX XXXX XXXX XXXX XXXX Here is Tracking Number for Experian XXXX 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 2021-08-04
Company: Bread Financial Holdings, 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: Their investigation did not fix an error on your report

Complaint:
This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I applied for an apartment in the XXXX XXXX XXXX conn. The credit reporting agencies do not have me down on their credit reporting sites. The apartment complex used a third party to check my credit reports. A debt collector in XXXX. Fla Client Name Date Last Active Orig. Amount Balance XXXX XXXX XXXX XXXX Applicant ) Collection Agency - XX/XX/XXXXCO XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX XXXX {$390.00} {$390.00}. The above information is all I got from the rental agent that recieved the debt collectors report that I owe XXXX XXXX XXXX. I do not owe any money to XXXX XXXX XXXX. I spoke to the debt collection agency and they are reporting an eligitimate debt. This of course has caused me great harm both monitary and i 'm currently on XXXX trrying to get a job. After talking to them they were unwilling at first to supply and dated information or a copy of the documents submitted by XXXX XXXX XXXX. Then he provided a false date so that it protects him from reporting and old date obviously. Unless he takes the fraudulently created debt it prevents me from obtaining a place to live. Again all three major credit reporting agencies do not have that debt on their files. otherwise it would have been there if I had owed XXXX XXXX XXXX Money. The debt collection agency is committing fraud and has hurt me financially and has prevented me from abtaining employment i would suspect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
My American Express card was charged by a merchant in XXXX. This charge was unauthorized and when I contacted the merchant, the unauthorized charged was reversed. However, the original charge and the refund posted by American Express was on different days and therefore, I was responsible for the difference in the XXXX denominated charges. This inaccurate charge is costing me {$49.00} and American Express is unwilling to correct this error.

Company response to consumer: Closed with monetary relief