BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am writing because I am currently about to be foreclosed upon because I am unable to sell a home I purchased in XX/XX/XXXX. I am unable to sell the home because of a fraudulent note provided by XXXX XXXX XXXX XXXX and a 10 year interest only loan I was given by Bank of America as a result. Here are the circumstances that led to my signing the note : On XX/XX/XXXX when I signed my contract to purchase my home from XXXX XXXX, the contract had a cost estimate evaluation for a XXXX Interest Only ARM ( see enclosure ). After the contract was signed, XXXX XXXX Mortgage company was unable to procure this ARM and offered me a sub-prime loan which I refused. After I found my own financing, XXXX produced a HUD 1 statement with a 30 year fixed mortgage at a 6.5 % interest rate. At the closing table in XXXX 2005, I read the settlement paperwork and instead of a fixed rate of 6.5 %, the interest rate was stated as prime plus 1 %. I was told by the XXXX settlement staff that the numbers were the same and it was just worded differently. I even called the XXXX mortgage agent at the table and she assured me the numbers were the same. I left the settlement table and went directly to a local Bank of America to confirm the loan I signed was the same as the XXXX HUD 1 statement. The Bank of America banker said it was not and that he would fix it. He produced a note that had the same interest rate and monthly payment as the HUD 1 and I simply was n't knowledgeable enough to notice it was a 10 year interest only loan ( see enclosure ). I did not learn it was an interest only loan until a Bank of America representative who was looking into a loan modification for me in XX/XX/XXXX wondered why my principal balance had not changed after 4 years of paying my mortgage. I never missed a single payment in 4 years until Bank of America forced me not to pay for three months in order to qualify for the loan modification. In XX/XX/XXXX, Bank of America gave me a 45 year mortgage with a 5 year ARM ( see enclosure ). I have submitted all of the paperwork I can find regarding the statements I made above. I called the XXXX Settlement Office to obtain a copy of the mortgage paperwork with the prime plus 1 % information but they said XXXX Settlement company destroys all records after 7 years. To add insult to injury, out of the XXXX homes XXXX sold on my block, the only XXXX families in the neighborhood ( I am XXXX ) are in XXXX adjacent houses. I was completely unaware that I had XXXX days to rescind the loan but it probably would n't have mattered because I was so unfamiliar with these bad mortgage products. 
Hopefully the government can look into this incident to keep it from happening to other consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Late fee

Complaint:
I purchased a dress online from Macy's.com on XX/XX/XXXX for {$340.00}. It did n't fit my sister so it was returned and credit was recorded on XX/XX/XXXX for {$320.00}. When I got my statement ending XX/XX/XXXX it showed that I had late fees of {$27.00} and interest charges of {$3.00}. I called customer service on or about XX/XX/XXXX to resolve the issue and the agent indicated that the late fee and interest charges would be reversed and she would waive the {$20.00} discrepancy for my troubles. Had something to do with a glitch in the system for no minimum payment posting. Fast forward to XX/XX/XXXX and I received a letter from Macy 's Collections Department ( dated XX/XX/XXXX ) that {$50.00} would be withdrawn from my bank account on XX/XX/2016. In fact, {$33.00} was withdrawn from my bank account on XX/XX/2016. So, I called Macy 's again to work on the issue. Some how they had reversed the interest charges and an arbitrary portion of the late charges ( {$14.00} ) and failed to reverse the {$20.00} discrepancy. After speaking with many customer service agents, I believe I have gotten this issue resolved however the explanation of the {$33.00} charge to my bank account was because I am on autopay, which is true! I am on autopay. Therefore, none of the late fees or interest charges should have posted since the {$20.00} discrepancy from the month before should have been on autopay, as well! The point of this complaint is somehow in less then 60 days I have gone into collections for a dress I had for less than 2 weeks. It feels like I 'm being harassed. Now, my account has been adjusted and shows a credit balance of {$33.00}, but the additional late fee adjustment of {$13.00} has been back dated to XX/XX/XXXX. So if you look at my account now, the most Macy 's should have taken from my bank account is {$20.00}. Luckily, I do n't carry balances on credit cards but if i did, I do n't think I would have been able to figure this out and this practice likely affects many other consumers.

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 2015-05-04
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Transaction issue

Complaint:
I have a credit card with Macy 's, account number ending XXXX. I used that card to purchase a product. I subsequently returned the product. Macy 's posted a credit to my account for the value of the returned product. I later used a portion of the credit to purchase another product. I now have a credit of {$120.00} on my account. 
I called Macy 's and asked them to send me a check for the credit balance. They refused to do so and told me that I can only use the credit to purchase additional goods at Macy 's. I do not need any additional purchases and do not feel that it is acceptable to refuse to send me a check for the balance. Why should I be forced to buy something at their store just to get my funds back. That is a ridiculous policy. They took the funds from me for a good purchased. I returned the good and they, in turn, should return my funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: CA
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:
Equifax did not thoroughly investigate my dispute even after I provide them with incontrovertible evidence that the.fact and Information Im on my credit report was fast and misrepresented

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: CITIBANK, N.A.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
Over the past year, I had to change my Citi Prestige credit card number six times due to fraudulent charges, which keep appearing even after changing my physical card number. Every single fraudulent charge is listed as having made using a " Digital Account Number, '' so my guess is that someone somehow was able to my Citi Prestige card to his/her XXXX XXXX or something, and Citi is not revoking virtual credit cards that are linked to my account. For example, I myself have my Citi Prestige card on my XXXX XXXX. Whenever I request a new credit card number, Citi Prestige card on XXXX XXXX  automatically updates to the new card number without any sort of verification. Hence, if a fraudster already has my Citi Prestige card on their XXXX  XXXX, what is to prevent that fraudster from continuing to use my Citi Prestige card even after I get a new physical card number? 

Here are the details on the trouble I have been having over the last year. On XX/XX/XXXX, there was a XXXX charge for {$8.00}, which was made using " Digital Account Number '' ending in XXXX. I promptly requested a new card number. Then on XXXX XXXX, XXXX, I saw a XXXX charge for {$15.00}, again using Digital Account Number ending in XXXX. On XX/XX/XXXX, I saw another XXXX charge for {$8.00}, again using Digital Account Number ending in XXXX. I received a new card number again. Yet, on XX/XX/XXXX, I received another XXXX charge for {$8.00}, which was made using Digital Account Number ending in XXXX. I spoke with Citi and I was told the digital account number was taken care of. Since then I have not seen any fraudulent XXXX charges. 

However, on XX/XX/XXXX, I got a Citi alert for " A {$0.00} international transaction was made at XXXX XXXX on card ending in XXXX. '' That charge never posted. But then the next day on XX/XX/XXXX, a {$20.00} charge was made by " VIU PH '' in XXXX XXXX, using Digital Account Number XXXX. I immediately turned off the Citi Prestige card using Citi app XXXX. Even after I disabled the card, four more {$20.00} charges by XXXX XXXX  were made on the card. I reported the card lost or stolen, and have since received a new card.

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 2017-07-23
Company: EQUIFAX, INC.
State: TN
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:
I received a response from Equifax saying I may have been a victim of fraud. The date of the notice is X/XX/2017. I 'm making an attempt to upload a copy of my drivers license and social security card with my maiden name. I 'll try to send a copy of my marriage license, check stub. Each time I mail them information it 's lost or thrown away. I 've sent them this information several times, prior to contacting XXXX. I took a picture of my drivers license. It uploaded, it also showed removed. I do n't know what that mean. There was a number in the upload file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 see there are 12 student loans on my credit report with all 3 credit bureaus Transunion, XXXX, and XXXX server of the loans XXXX. I only hold 6 discharged loans all with XXXX in which I have a contacted XXXX and all 3 credit bureaus filing disputes about the loans for several months they say they are accurate and they arent as I said I hold 6 loans with XXXX from from XXXX, and XXXX all discharged in XXXX then so how they say the loans went into default how when they were discharged in XXXX then in XXXX they reinstated the original 6 loans from XXXX and put them on my credit as new loans in XXXX as if I have 12 loans though all 12 loans have XXXX balance I dont hold 12 loans I only hold 6 I have asked XXXX to remove the duplicate loans from all 3 bureaus over the past couple of months they refuse and I also dispute with all 3 credit bureaus and sent my letter from XXXX I only hold 6 loans

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 2022-10-31
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Every few months it seems that I have to reach out about my credit report being frozen ( without my knowledge ) and an inability to apply for things like ( housing, jobs, etc. )!!!! This issue has caused me considerable damages and losses. To make matters even worse, the credit reporting agencies have made it an impossibility to request they lift these freezes since they wont even allow you to access YOUR OWN credit report using YOUR personal identifying information like : a full name, permanent mailing address and social security number. This is just one of 100 complaints Ive made over the past 2-3 years and at some point Im going to collect every last one of these complaints and sue them for damages. I dont know whats so difficult to understand. 

DO NOT FREEZE MY REPORT UNLESS I HAVE REQUESTED IT TO BE FROZEN!!!!!

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 2015-12-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Release of Deed of Trust for Beneficial Mortgage Co Colorado Record Date XXXX/XXXX/XXXX Document Type Deed of Trust XXXX XXXX, Colorado XXXX XXXX Request for Release of Deed Of Trust. 
This Deed of Trust has not been released per my conversation with XXXX at XXXX XXXX Colorado XXXX and Recorder XXXX XXXX, XXXX. 

A phone call placed to Customer Resolution Department at HSBC Beneficial Representative XXXX was responded to with how did you get this number which I explained from a letter when I attempted to explain the problem she informed me they had addressed the issue of my previous complaint. 

I also sent a letter and a copy of the XXXX XXXX XXXX Verified Report by Certified Return Receipt have received the Receipt it has been received in their office and still I have no resolution to the Release of Deed of Trust for " Recorded Deed of Trust : Reception No : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had a checking account with Bank of America that had been in dormantstatus for a number of years. My balance on the account had been close t {$0.00}. Without warning, they imposed a Monthly service fee of {$25.00}. 
I did not notice this until after the 3rd month where my current balancehad shown roughly - {$75.00} ( Negative {$75.00} ). I went to the bank and theywere unable to remove this. I closed out the account and it still showsa balance of - {$74.00} ( Negative {$74.00} ). 
I am asking for Bank of America to XXXX out my account at no costto me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-13
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act. The list of account ( s ) below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name, Account Number : XXXX XXXX, # XXXX Account Name, Account Number : XXXX XXXX, # XXXX XXXX U.S.C. 1681 section 602 A States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. 

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report buy more than XXXX years. 

15 USC 1681 S-2 ( A ) ( 1 ) 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 2016-03-21
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I can not access my credit report electronically in any form, meaning through Equifax directly or any credit monitoring service. Equifax offered to send me a paper copy but did not fix the fact that I can not access my report electronically, nor can some creditors. I have a right to be able to access my credit report electronically. Equifax must fix this. I ca n't monitor my credit if they do n't which causes me substantial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
STUDENT LOAN ACCOUNT WITH XXXX ACCOUNT NUMBER XXXX WAS OPENED IN THE YEAR XXXX, 22 YEARS AGO NOT BY ME I HAVE SENT NUMEROUS DOCUMENTS INTO XXXX, AND TRANSUNION, ITS NOW XXXX AND THESE CREDIT REPORTING AGENCIES ARE STILL REPORTING INCORRECT INFORMATION ... THE FOLLOWING DOLLAR AMOUNTS ARE BEING REPORTED {$2600.00}, {$1000.00}, {$1400.00} {$1400.00} {$820.00} {$2200.00}

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 2022-10-31
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022 I went to my bank CiTI bank to make a international money transfer to XXXX XXXX for the amount of {$6000.00} XXXX I got charged {$45.00} XXXX for the transaction, the bank told me like is Friday it will be taking around 3-4 business day to get the complete transfer to my bank on XXXX XXXX XXXX On XX/XX/2022 I called to see if the transfer was complete and the bank told me that was missing some information from my recipient on XXXX XXXX, it was, what type of account was, passport number and phone number of my recipient, so I went to the bank to provide the information missing, the banker called the transactions department told him, that nothing was missing that we just need to wait a few more days to get the transaction complete, the next day I notice on my Citi bank account some transfer been made to my checking account for the amount of {$5700.00} dls and went back to bank to ask what was that money coming from they said that my transaction was canceled and the return the money to my account less money of what I sent that was {$6000.00}, and because when the canceled the transaction without letting me know the exchange dollar was less, I very mad with action been made.

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 2015-05-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Att phone service has ran my credit without permission. I want them to remove it.You ca n't run any ones credit without their knowledge. ( Equifax )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Block, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Cash app has allowed a SECOND account to be opened with my info. In their response to my previous complaint filed with the CFPB they stated they would not allowe my info to be used further. Today, XX/XX/22 I received a cash app card for a new account using just my first name- they didnt even require a last name in opening the account. Cash app still does NOT have any sort of fraud protection that will speak to you and as of today I have yet to have the second account closed. 

Cash app needs to CLOSE this account immediately and STOP allowing new accounts to be created using information THEY KNOW is fraudulent as they have been notified multiple times via here and directly that the info is fraud. Yet they still continue to allow the stolen information to be used to open new accounts. This is the 2nd time in a month! 

Attached is the response from cash app about the first account which they clearly did NOT adhere to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
ON XXXX XXXX EQUIFAX UPDATED MY REPORT WITH THE INCORRECT INFORMATION THAT WAS SENT TO THEM FROM Consumer finance Protection Bureau in reference to my account with XXXX XXXX XXXX. 
The account was opened on XXXX XXXX, 2014 with XXXX XXXX XXXX and the contract was provided. Equifax ignored the contract that was provided to them stating that the contract was opened on XXXX XXXX 2014. They stated to Equifax that the contract was opened on XXXX XXXX 2014 which is incorrect. The account was then closed with XXXX XXXX XXXX in XXXX XXXX, 2014 and refinanced by XXXX XXXX XXXX XXXX they Sent XXXX a check for XXXX which the check that was cashed by XXXX XXXX XXXX A copy of the check was attached. Also XXXX failed to let them know they cashed the for XXXX A check for that was also provided. XXXX has continued to provide incorrect information several times stating that they did not cash a check for this vehicle in that amount which is totally incorrect the checks were cashed at their bank in Texas. Equifax is the only credit bureau that is giving me problems XXXX has updated my report and found out that my information was correct from the documentation received by me with the actual contract and fixed my report in good standing for this account. This is my third time disputing this with Equifax and they are stating that I am not providing the documentation which is incorrect I will attach a copy of the contract and the checks that were cashed again. By Equifax not correcting this information they are impacting my credit report and every credit report is suppose to match.

Company response to consumer: Closed with explanation