BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Please refer to these complaints against Bank of america by myself : Complaint #  XXXX  on  XXXX / XXXX / XXXX  Complaint #  XXXX  on  XXXX / XXXX / XXXX  Also during  XXXX  - I reached out to prior organization OCC against Bank of america.     For the most latest complaint - I had opened checking account with Bank of america during   XXXX   XXXX   XXXX . They verified all my background - ask all the security questions-did thorough account verification. I was using a promo code - fund the new accoun t with $ 20K and   keep it at least for 2 months to get {$200.00}.   After successful completion of all credit checks and background process verification - i deposited {$250.00} as the initial deposit into the account.     Then due to login to online banking issues - i opened this complaint : Complaint #  XXXX  on  XXXX / XXXX / XXXX  I keep on following about  it. Two  days back they sent all the information about my account - A/C #, Routing #, deposit slips, initial checks etc ... but my online access was not working. Reached out to their twitter handle ... some back and forth messages - but no help.     Yesterday when i called them - they said they have closed my account due to " risk ''??? what???   I am living i n USA  since  XXXX . Very first time came  to USA  in  XXXX . Nobody has ever rejected a bank account for me till now. Went to their branch in person at  XXXX   XXXX   XXXX  branch ... but i was told the same answer ....   i was asked to call  XXXX . After long wait   of 9 minutes - i was told that they are also not aware why the account is closed?
What the heck it is???
Yesterday only i sent another $ 5K to deposit into my accoun  t.     I strongly believe they are retaliating against me as i reached out to CFPB.

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 2016-11-08
Company: Midwest Recovery Systems
State: NC
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I 'm not even sure the original company that issued the payday loan. Which every company it is, it has been well over 5 years ago when I discovered that these payday loans were issued illegally in the state of NC. A few days ago I received a notification on my credit report that I owed MIDWEST RECOVERY SYSTEM. After researching them, it shows that they are trying to collect on a payday loan. I used the XXXX complaint system to have them remove this account from my credit report as their contract was illegally issued in the state of NC. XXXX however only updated the account saying it was valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Fedloans.org does not process payments in a timely manner and continues to charge interest between the day when the payment is submitted and when the payment clears. As of today, I submitted a payment on Friday, XX/XX/XXXX. As of today, XX/XX/XXXX The payment has not cleared and the outstanding interest continues to accrue based on the loan be-payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: SUNTRUST BANKS, INC.
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
so same story SUNTRUST mortgage servicing charging too high interest rate

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 2016-02-25
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am having personal difficulties with Citibank that I hope you may rectify. I have been a customer since XXXX XXXX with XXXX credit cards totaling approximately {$45000.00} in available credit. I use my Citibank credit card for all of my daily transactions. I had a breach of my card number in XXXX resulting in XXXX unauthorized transactions totaling {$4600.00}. I did not receive XXXX alert of potential fraud and I found out when I received my statement. I immediately called and had the card deactivated and initiated the claims. The card has always been in my possession. Unfortunately, the level of service that I have received has been extremely poor. I still have {$4000.00} unauthorized fees that have not been credited to my account and it has now been one month that I have been actively seeking a resolution. I have called and emailed from the web portal multiple times to at least receive provisional credit as the case is being worked and I have not received any assistance in resolving the total claim. I have only received a partial claim for transactions that happened after the statement. During multiple calls, I have discussed with various supervisors whose ID numbers I have notated, but each time I am told I will receive credit within XXXX7 days. This has not happened. On XXXX occasion, a supervisor was extremely rude to me and did not offer to assist in any way. He actually told me to stop calling. I have exhausted my attempts to resolve this matter and I am hoping that you may assist me in rectifying this situation. I have stopped using my Citicards for my daily transactions until my issue is resolved and I am in the processing of changing my auto payments conducted with these cards. I would like to mend our relationship and I thank you in advance for your assistance. 

I have called to attempt to resolve my issues with Citicards 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 monetary relief
Consumer complaint received 2015-09-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
I got the care credit card before they were owned by syncrony bank. Anyways, we used it because our dental insurance did not work for my husbands treatments. I was not explained that you needed to write in each time or call every time you made a payment in order for it to be going towards the right purchase to be paid off in time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-10
Company: AMERICAN ADVISORS GROUP
State: AR
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2014 I obtained a reverse mortgage on my home with AAG. I am attaching various items of correspondence detailing the exact nature of my complaint, as my daughter prepared a very comprehensive letter that specifically explains the issues in the proper chronological order. I believe that AAG may have deliberately pressured me into entering into a mortgage with a Repair Rider ( which I expressly objected to several times prior to settlement ), and then provided advice and assistance intended to steer me toward default. The agent I worked with to initiate the loan advised me repeatedly after settlement that commencement of repairs was unnecessary as he had alternative loan products that would be available to me after my new loan had been in place for six months. When the time came to move forward on those assurances, he disappeared with no further contact being possible. I then obtained an extension from AAG and explained that extreme weather conditions were preventing contractors from scheduling my repairs until after XXXX XXXX. An extension was granted until XXXX XXXX ; as I feared, circumstances beyond my control resulted in the need for another extension. I contacted AAG and was told to submit my request in writing, which I immediately did. When I called back to check the status of my request I was told by the supervisor of the Reverse Mortgage Servicing Department that she did not submit it to HUD for a decision. Her response to my questioning of this was that she did n't need to do so because she knew they would deny it. I feel this company quite deliberately acted in a manner intended to lead to my breaking the terms of the settlement contract, resulting in default on the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: Convergent Resources, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I called Convergent formerly XXXX XXXX due to them.still reporting an active account in dispute even though the dispute has been resolved. I have been trying to get a mortgage in which you can not have active disputes in some cases. I received confirmation from all 3 credit bureaus that the dispute had been resolved on their end. However when my credit pulled the dispute is still.reporting on there. The credit bureaus sent me a copy of my report showing me that it was resolved on their end and that I would need to contact the collections agency directly and request for them to remove that statement from my report since the dispute had been completed. Convergent told me that they were not going to remove that statement until I satisfied my debt with them and they the active dispute would remain on my credit. I let them know that I would be contacting the cfpb about this and he stated that he would have to do more research but he wasn't going to provide me with any more information on the account. They started all calls are recorded so they should have the phone call available for review as well.

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 2016-05-20
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian has not even tried to investigate my identity theft, I have given them the names of the fradulent accounts yet they keep sending me a letter saying I did not provide them with enough information, the other XXXX credit agencies actually investigated and removed the negative items Experian refused to investigate. Is it not the law to investigate identity theft accusations to make sure the information is accurate. Experian 's investigation department is little to non existent apparently and the FCRA has been 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 explanation
Consumer complaint received 2016-10-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I moved to a new apartment. I noticed my social security card missing as I was packing. I reported the loss via telephone to XXXX which shared my fraud alert request with Experian and XXXX. This summer I applied for senior housing in XXXX county. That application was denied based upon a report generated by Experian. Subsequently I applied for a car loan with XXXX because of their 0 % financing offer. I could only get the car on a 4 % financing. It was then that I was told that there was fraud alert placed on my credit. However, the credit reporting agencies never contacted me to verify. I became the victim of my own fraud alert.

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 2016-08-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have informed Experian many times that the following addresses do not belong to me : XXXX XXXX XXXX North Carolina and the XXXX XXXX in North Carolina ( Please remove ). 
Also, I have informed them that I am a victim of identity theft. So the inquiries should be remove since I did not authorize them.

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 2016-10-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
For some reason Experian is reporting my XXXX score as XXXX which is very low and reserved for consumers with bad reporting to their credit. 
My XXXX XXXX score is XXXX. 
My XXXX XXXX score is XXXX. 
I called Experian to get an explanation and I was not able to obtain XXXX. Their wrong XXXX score has resulted in me being denied XXXX XXXX card, since they use Experian credit report. 
My credit is excellent and I am having really hard time getting explanation from Experian as to why is my XXXX with them so low, while it 's very high with other XXXX bureaus. I called and sent them a complaint letter but it is not resolved or explained. 

Please help. 

Thanks, 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 2015-12-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Treated poorly by credit reporting agency staff that no verification needed to be sent. I feel that a proper investigation was not done as there 's XXXX collections on my report for Experian that will not be removed I do own these debts and I am still disputing them, I was told that I have to call the original creditor I 've never received any documentation from either of these companies so I feel that any communication that I start with them could be used in their favor because they are a fraudulent debt collection agency I want these accounts removed as they are not mine. I am a XXXX. Maybe they belong to my deceased father who passed away who shares the same name

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-08
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Experian has repeatedly sent me purported statements to " confirm '' my address change. I have submitted no address change since updating my address to XXXX XXXX XXXX XXXX # XXXX ... It appears that Experian changes my address at their own discretionary whim, with absolutely no verifiable reason and against credit reporting and accuracy standards. The frequent unauthorized changes of my address can possibly communicate fraud to my creditors, current and/or prospective. This is ridiculous. At one point they even changed my address to a Kentucky address. The letter was actually stated in a manner, " confirming my request to update my address. '' When I asked for said letter that I purportedly sent to change my address to said Kentucky address, they never answered. Experian has also " admitted '' that there was a security breach via XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I have been at SunTrust since 2007 and an employee XXXX with that company. I just received my XXXX to further my career in finance. I have been in banking over 28 years. Unbeknownst to me, my daughter gave her bankcard to someone and they deposited a check to our joint account and was able to withdraw every dime from the check seven hours after the check was deposited in an ATM. The check was for {$2400.00}. I was told the funds were made available due to our relationship with the bank. All accounts that had my name on it were restrained to debits pending investigation including my son 's account. 
I have been given the run around. I call the fraud department ( which is outsourced to XXXX ) and am told to go to my local branch. I go to my local branch and told to contact fraud. I ask if I could speak with an investigator I am told no. They can not call the investigator just contact that person through the case. There is a disconnect here and it is not fair to victims like me and my son. I did a police report and the tape was pulled at XXXX where the criminal purchased a money order for {$1700.00} which showed who purchased the money order and it was not me or my daughter. The fraud department said they have 10 business days to investigate the case. This is unacceptable. I am demanding me and my son 's funds released to us immediately. Also I want my name cleared of any fraud due to this account. I did an affidavit with SunTrust based on what my daughter XXXX XXXX told me happened but she has lied and changed her story several times. I need this resolved as soon as possible as this caused a financial hardship on my son XXXX XXXX and XXXX. The thing that frustrates me when I myself make purchases that are out of character Suntrust would freeze my card. I tried to purchase a pair of shoes at XXXX XXXX for {$80.00} they blocked my card but yet you let a {$2400.00} deposit go into a minors account and let funds withdrawn at XXXX XXXX less than a day the funds were deposited and that does not raise red flags. I want my money back from SunTrust immediately by me going to the branch and close the accounts and get me and my sons funds and fraud to removed under my name as my career is in finance and can hinder me getting a job in finance elsewhere. There should be someone locally in the United States at SunTrust that I could talk to in reference to this account.

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 2016-07-05
Company: PASCO, Inc
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
My credit report shows a debt payable to CELCO for {$140.00}. I have contacted this company and they can not tell me to whom this amount is owed. It is impacting my credit score. 

What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: Phoenix Financial Services LLC
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Dear Sirs, I received a letter from a debt collector stating that I owed {$1200.00} for an emergency room visit. I sent a letter requesting further information which included all the elements in the template provided by the CFPB. The response that I received did not provide me with all the answers that I requested and further was ambiguous regarding whether I owed any money and why. My only recollection of this potential debt is that it may be for an XXXX visit at XXXX XXXX medical Center however I was fully insured at the time and further paid the {$250.00} copay that was required of me at the time. I do not understand why more than 2 years later, I am requested to pay a debt that if valid was supposed to be paid by the medical insurance plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
We did a refi with XXXX on XX/XX/2015 did the closing on XX/XX/XXXX and it did not get to our old mortgage co until XX/XX/XXXX.now the old mortgage.co is reporting us 30 days late for our XX/XX/XXXX payment.I have talked to everyone and no help, everybody at the time assured us that it would be there on time.We have never been late and my husband is a XXXX on XXXX and turning XXXX this coming year .can you please help

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 2017-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be REMOVED. 
XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX-XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have sent letters to the credit bureaus as well as the credit agencies asking them to remove these inquiries because I did not authorize them. I have not applied for any credit with the ones listed that have been circled. I have told them this numerous times and yet they refuse to correct this issue. I have asked for verification and they have yet to send me anything.

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