BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Several references I found and again today, I keep reading and find online, on the internet, this information which I am using as fact and reference and hoping was true AND that each reference to it IS from a very reputable source for information including published in XXXX magazine and as per my previous same complaint made on the matter. So now, I am reading it again and today - " Bank of America '' is offering a " DEFERMENT '' option on loans/mortgages, where nothing states you needed to special in that having a " certain type of mortgage '' with them, when it is relief offered specific to a national crisis and the DEFERMENT option ( of 90 days at least ) which is NOT a forbearance, that of which they offer BUT that stipulates any back unpaid amounts to be added up in total after 90 days to ALL be paid back after the forbearance term and that to be paid immediately at the end of " forbearance '' period, it is not what I can do AND that I called twice to have no deferment being offered to me. I have now seen this information about deferments with Bank of America written and published to the public and not about a specific mortgage product BUT would and should apply to ALL mortgages they service. I am disgusted that I have read this information in many online venues, and it has been now in more than one article about such assistance by form of DEFERMENT and relief to homeowners needed during the COVID crisis. I am yet to be given the " deferment '' option, all I am being told I can get and given is a forbearance - No, I CAN NOT afford to pay any built up balances in full after 90s days and I am not being forced by BOA then to later on after I will have to apply for " loss mitigation '' measures ( this is as per their own advice and words to me ) and apply to " loan modification '' which is a " loss mitigation '' option but it's being forced upon customers when most banks ARE giving a defer payment option for 90 days. This is not fair to people who cant pay their mortgages now and in 90 days from now sure can't pay 90 days added up and all at once in 90 days PLUS the moth ahead. None of this makes sense by the banks own offering and by their own hand. Where is my option for a deferment for 90 days?

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 2020-04-17
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In mid-XXXX a fraudulent charge appeared on my account in the amount of {$2200.00}. I contacted the Citibank immediately. The card was closed and the fraudulent charge was reversed. The following month the charge was again posted to my account. I spoke with both an agent and the fraud department. The charge was then reversed. The fraudulent charge has once again been posted to my account. The card never left my possession, nor is the name of the individual, XXXX XXXX, my name or even gender. The lack of resolution and constant calls to Citibank are very disturbing and time consuming and show a lack of care and follow-through.

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 2020-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, I've been having a hardship with work and through the time of covid 19. I received my stimulus check and went to pay off my credit card yesterday XX/XX/2020. Payment went through and Capitol One charged me fees of {$11.00} internet fee? So I pay my debt off and they punish me again through this terrible time of struggle. 

Please help me with this situation. 

Capitol one. Credit Card Hit with {$11.00} interest fee after paying off whole card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-17
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: Personal information incorrect

Complaint:
EQUIFAX CREDIT FILE : XX/XX/XXXX CONFIRMATION # XXXX I have written via US Mail, Equifax, on more than one occasion that I am the Victim of ID Theft and fraud for many years now. According to Special Agent XXXX XXXX with the IRS Criminal Investigation Division ( CID ), they have stolen my ID and filed fake tax returns and established credit using my Tax ID. 

The following accounts were due to ID Theft : XXXX -Card Services Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX Also, they have to remove the following misleading, incorrect and inaccurate information in my credit file : Previous Address ( es ) : XXXX XXXX XXXX CT, XXXX, FL XXXX Formerly Known As : XXXX XXXX XXXX Last Reported Employment : XXXX ; They have not yet removed this information after months of writing to them to correct the information. I have been at my address for more than 7 years already.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: American Enterprises International, Inc.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
American enterprises illegally reinserted the account # XXXX in my XXXX  credit report on XX/XX/2020. This account have almost 7 years old. For that reason I sent a registered letter on XX/XX/2020 # XXXX requesting validation made pursuant to the Fair Debth Collection practices Act and Fair Credit Reporting Act .Not receiving any reply in 30days by American enterprises I decided to send a second registered letter in XX/XX/2020 # XXXX, requesting again validation documents with a copy of any viable evidence bearing my signature, showing the account is being reported accurately .On XXXX XXXX they sent a copy of statement that does not have any signature of mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
XXXX and TransUnion both decreased my credit scores by approximately 50 points or more, for utilizing my credit cards. For the past 2 years I have labored to repair my credit, paying off close to {$10000.00} worth of debt. Since then, I have begun a positive and responsible habit of paying all my debts in a timely manner. I have been utilizing my various new credit cards carefully and always immediately pay my balances, often times paying off the entire balances on my credit cards every month. With the general uncertainties brought on by the Covid-19 pandemic, I have made sure to exercise extra caution in using my limited assets to take care of my existing debt, as well as new and different expenses that have risen due to the pandemic. Things such as buying extra supplies for use and creating a just stockpile of items for possible continued quarantine times. In a time were most Americans are asking for deferments on their payments, I have diligently made all of my payments to all my creditors and have full intentions to continue as such. This is why I bring forth this complaint in regards to how XXXX  and TRANSUNION are reporting on my credit status. I am asking for leniency. I am asking for compassion. I am asking for fairness. I am asking for consideration. I am doing the best that I can to keep afloat during these difficult times, as is everyone else. I have used my assets to satisfy my current debts to the best of my ability and feel, it is unjust for my credit scores to be dropped from the XXXX 's to a XXXX because I used my credit cards during a PANDEMIC! The credit was afforded to me, to use as I choose, in a responsible manner when necessary and I am doing that. I have made ALL of my current payments, on time and have asked for no deferments except for my student loans, as they were placed on an automatic deferment due to recent legislation signed by President XXXX. Aside from this, upon investigation, findings will prove I have a current " excellent payment history '' as so reported by XXXX as well as the other 2 bureaus. The extreme credit score drops are not justifiable. I seek fairness and justice in the way these bureaus, XXXX and TRANSUNION are interpreting and reporting on my credit status.

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 2020-04-17
Company: Experian Information Solutions 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:
EXPERIAN REPORT XXXX for XX/XX/19 Contains the following fake information used by XXXX XXXX to obtain credit against my SSN as contained in my EXTENDED Fraud Alerts and IRS ID THEFT Affidavit. I've written Experian many times only to discover that they have not removed the information at all from my Credit File. The information contained in the file belongs TO ME since they're reporting FAKE NEWS on me which seriously affects my future employer, creditors, potential clients, and credit applications. I am unemployed seeking employment and the misleading information must be removed as they are incorrect and not accurate.

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 2022-08-01
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a promotional email from Chase on Monday, XX/XX/XXXX. I decided to open a checking account with them to avail the bonus. Everything went well and I even got to open up a savings account. There and then, I transferred my savings from my XXXX account to Chase via XXXX and register the checking account to direct deposit. On Wednesday morning, I received an email that I can not use my account and that they will close it soon. I called the customer service immediately and I was informed that I needed to verify my account information by going to the branch and submitting a copy of two valid IDs. Since I am foreign resident who just arrived in the US last XXXX, the only IDs that I have are my SSN card and passport which I provided to the banker on that same day. The banker advised me to call back the customer service the next day to inform them that they have already uploaded the documents. However, it wasn't until Friday when the documents were reflected on their portal. When I talked to the customer service, they told me that they can not unrestrict my account anymore and that I needed to go to the branch and reopen an account and have my funds transferred to that account. I went to the branch on Friday but they told me that they can not do so as the back office wants to verify my address information. I provided them a copy of my lease agreement last Friday, XX/XX/XXXX, and again, it only showed on their portal today, XX/XX/XXXX. The customer service told me that they can not accept the lease agreement as it is only up until XX/XX/XXXX to which I informed them that as of the day I submitted the documents, it is still in effect and that I am willing to provide a copy of the renewed lease. They said they can not accept documents via email or any other means so they advised me again to visit a branch and do the same process all over again. I've been waiting for 7 days to have access to my money. Both my savings and payroll are deposited there, my rent is due today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I sent XXXX bank generated checks for {$390.00} to BMO Harris Bank to pay towards a loan held by their bank. The address I was given was incorrect and they went to the Transportation Finance Department of BMO Bank. None of the checks were credited towards the loan desired, for which I provided account information and details when ordering the checks from my personal account at XXXXXXXX XXXX but all the checks were cashed and endorsed on the back by BMO Bank Transportation Finance ( phone number XXXX ). BMO credited back {$390.00} for XXXX ( XXXX ) of the checks, but the third has never been returned. When I call BMO they tell me that the checks were rejected and therefore there was no refund due. When I tell the customer service representative of BMO that is incorrect they tell me there is nothing more they can do because it is another department that deals with this type of issue. When I request to speak to the other department they tell me I can not. After multiple phone calls to BMO to get my money back with no more assistance than previously, I reached out to my bank, XXXX XXXX, to assist with and recover the claim. XXXX originally credited my account for the {$390.00} but then deducted it again as they were unable to receive feedback from BMO. I have called many times and even gone to the BMO branch to discuss with a manager, as this has been on-going since XXXX of 2022, so oveXXXX XXXX months and BMO is still not responding. I have spent far too much time trying to get my money back from BMO Bank without even making a small progression towards rectifying the problem and returning my money. 

I have print outs showing the checks and the endorsement by BMO, as well as my claim paperwork I submitted to 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 2020-04-17
Company: CITIBANK, N.A.
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:
ACCOUNT # XXXX CITI illegally sold a fake account to XXXX XXXX XXXX XXXX violation of Title 15 USC 1681m ( f ) ( 1 ) of the FCRA . 

It is prohibited to sell an account that was reported as fraudulent. I reported the fake account that was created by XXXX XXXX to CITI when I discovered the criminality. CITI, went ahead and sold the account to the criminal collection agency in violation of Federal Law. See attached Fraud Alerts on my CRA 's and documentation with the IRS. 

Special Agent XXXX XXXX with the IRS-CID and Special Agent XXXX XXXX, specifically communicated to me that the XXXX XXXX has been stealing ID 's. In fact, there is another person in California and Florida using my credentials. The Mexicans would also use a person 's mailbox itself and snagg the incoming mail before persons would return from work. This is how sophisticated these XXXX XXXX   are.

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 2022-12-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo has been a headache for a long time ago! I have ask several time for some help but this lender has not help me once!! 

After the XXXX XXXX assistance have help me so much!!! I appreciated but while my mortgage with Wells Fargo bern in the process of loan modifications, bankruptcy, foreclosure and so on shouldnt have this much late charges fees the least Wells Fargo can do is waive the fees for the pain and headache they cause me all this years I would like for wellsfargo to waive this late charges Im the amount of {$2700.00}. And apply payments for XXXX and XXXX 
the least they could do since they cause a big load of pain all this years

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 2022-12-10
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX I received mail from XXXX XXXX alleging a debt being owed. I responded back to them on XX/XX/XXXX disputing the alleged debt and requesting proof of their claim specifically a contract with all parties ' signatures in accordance with the fair debt collection, however resurgent responded back to my dispute and failed to provide me with any valid form of debt validation and then proceeded to place the fraudulent debt on to my consumer report. Furthermore, they marked the debt as disputed and meets FRCA requirements when it does not meet the criteria. These companies illegally attempt to collect a debt that is not owed and fail to provide me with legal proof. I have attached all documentation and my communication to them and their response which lacks the legal requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Experian Information Solutions Inc.
State: TN
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 am writing in regard to my dispute of XXXX Account XXXX. I disputed this account formation as being unverified and inaccurate, but I received notification on XX/XX/2020 stating the account information was verified. How is this possible? I contacted XXXX XXXX / XXXX XXXX XXXX and have a letter from XXXX XXXX XXXX on company letterhead which clearly states this debt has a balance of XXXX ; full yet Experian continues to report that this account is accurate? This is absolutely incorrect and by continuing to report this on my credit report Experian is in direct violation of the Fair Credit Reporting Act ( FCRA ). 

The FCRA states that I have the right to dispute incomplete or inaccurate information and that the dispute must be investigated unless my dispute is frivolous. As clearly indicated in the documentation originally sent with my complaint # XXXX to the Consumer Financial Protection Bureau this complaint is legitimate and with merit and therefore should have been properly investigated. I contend that Experian has blatantly violated my rights under the FCRA by continuing to report this trade line as accurate. 

The FCRA states that consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days. I contend that Experian representatives assigned to verify this debt failed to properly carry out their duties and rubber stamped it as verified. This is also a clear violation of my rights under the FCRA. I am confident that this fact will be proven in a court of law as there is no question that the information on my credit report in regards to XXXX XXXX is incorrect. 

This is my last attempt to resolve this issue before litigation which will include seeking monetary damages for the negative impact these violations of my FCRA rights have caused to my credit scores. I have documented proof that I have been denied credit as a result of Experian 's incorrect reporting and refusal to correct. I demand that this item be DELETED from my credit report per my rights under the FCRA. While I prefer not to litigate if need be I will utilize the courts and publicity to enforce my rights under the FCRA. 

I look forward to a swift resolution of this matter.

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 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft.I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : XXXX {$8700.00} Opened XXXX, XXXX XXXX XXXX XXXX   {$4800.00} Opened XX/XX/2014 I did not make the charges listed above. I request that you remove all fraudulent charges and any related fees, send me an updated and accurate statement, and close the account. I also request that you stop reporting the inaccurate information to credit bureaus. 
I have enclosed my Identity Theft Report, proof of my identity, and a copy of my credit report showing fraudulent items related to your company. I also have enclosed a copy of the Notice to Furnishers of Information, which explains your responsibilities when providing information to credit bureaus. 
The Notice also states that if a

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