BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-06
Company: American Financial Resources, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We had our mortgage thru American Financial Resources and was paying {$1900.00} on XX/XX/XXXX our new statement went to {$1600.00}. In XX/XX/XXXX our mortgage was sold to XXXX XXXX XXXX and payment remained the same {$1600.00} until XX/XX/XXXX we received a letter from XXXX XXXX XXXX stating as of XX/XX/XXXX or payment was going to increase to {$2200.00}, unless we paid a shortage of {$4000.00} plus add PMI back on which would still have our payment go back up to {$1900.00}. We had no clue what was going on so we called XXXX XXXX & they said there was a shortage on our escrow which they paid when they took over loan in XX/XX/XXXX, so we then called American Financial Resources and they acted as if they had no clue as to why, then after several attempts to talk with someone concerning our loan they said there was a computer error back in XXXX that dropped our PMI and lowered our mortgage payment so for a year we paid what was in our statement each month from American Financial and also XXXX. In XX/XX/XXXX we paid XXXX the {$4000.00} plus took our mortgage payment from {$1600.00} to {$1900.00}. We was told by both mortgage companies there was nothing we could do nor was either willing to work with us on a problem on there behalf. Is there anything that can be done about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
AFTER EVERY PAYMENT MADE, CITI CREDIT CARD LOWERS THE CREDIT LIMIT SO THE CARD IS ALWAYS SHOWING AS MAXED OUT. RECENTLY MADE A PAYMENT OF {$500.00} WHICH WAS 1/3 OF THE TOTAL BALANCE TO HAVE THEM AGAIN LOWER THE CREDIT LIMIT SO THE CARD IS AGAIN SHOWING AS MAXED AND IS REFLECTING NEGITIVILY ON MY CREDIT REPORT AS A RESULT

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 2015-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Bank of America closes an 18 years old checking account that has an impeccable record for its entire history. Bank of America cites " business decision '' .without giving any specifics. The closure of the checking account has led to the closures of XXXX credit cards issued by Bank America. All Earned rewards are confiscated and Pending rewards are forfeited. 
Please see attached write up for the details of the complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
accounts showing up that was included in bankruptcy. included in bankruptcy. Accordingly, pursuant to the Fair Credit Reporting Act, please investigate and correct this inaccurate information. i demand this is deleted from my report immediately for violation of FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy

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 2020-03-30
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
The Escrow Account Disclosure Statement I received from Pennymac dated XX/XX/2020 states that my total payments from Escrow are {$3300.00}. The minimum required balance is stated as {$490.00}. This should only be " no greater than 1/6 of the estimated total annual payments from the account. '' I am being overcharged by {$310.00}. The correct amount is {$170.00}. 
I am worried that this company is taking advantage of millions of consumers during this dreadful time by collecting and using this money interest free. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Experian Information Solutions Inc.
State: CA
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:
My reports of id theft are near i possible to report to these to credit reporting companies who report the same information over and over again already disputed and I am at a loss what to do. XXXX wants proof of ID well then see attached. Why put up so many roadblocks since we are ongoing victims of id theft and should be granted our rights under the law

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 2021-07-27
Company: National Credit Adjusters, LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have made several attempts, to National Credit Adjuster to have there agency to Delete from all 3 Credit Reports. On XX/XX/2021, I received a letter from XXXX, stating that they had Deleted National Credit Adjuster off my Credit Report. Come to find out that NCA continues to report to XXXX on the XXXX and The XXXX of the month, That's FRAUD! When speaking to someone there, they first reported that they report to XXXX, not XXXX not XXXX. Next thing I Know, All three are reported. NCA, also said that It's up to the Credit Bureau to delete not NCA, because of there Policy. I emailed the CEO XXXX XXXX many times he never contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of Fraud and I am trying to protect my credit file as much as I can. I have found several ACCOUNTS on my credit report that do not belong to me. I was in the process of buying a car when it was brought to my attention. The following accounts are not mine I cant find any contracts for business with any of these companies : ENHANCED RECOVERY COMPANY # XXXX, I have requested legal paperwork from the above companies without any response so now I am filing a police report and I will follow up with a report to the FTC..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Good afternoon my name is XXXX XXXX On XX/XX/2021, I sent a letter regarding inaccurate and unknown information on my credit report. It has been over 45 days and I have not received a response to my disputes and I feel as though Im being ignored, and my issues are being promptly resolved. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report and it has been over 60 days so they should be deleted promptly. I demand these accounts be removed or I will be forced to seek litigation. My information was also impacted by the Equifax breach and the target breach and may have gotten into the hands of the wrong people. Inaccuracies on my credit report have cost me thousands this year and can not be ignored in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I received a letter from Bank of America with a modification approval attached to it. At the beginning of the pandemic, I had 15 or so years remaining before I owned my house. I currently owe {$110000.00}. My payments is {$950.00} per month. Bank of America is ripping people off. My new offer is {$570.00} for 480 month.They did not offer an interest rate change. Their offer extends my years which makes me more economically challenged, and prevents me from building wealth. How is this okay? They received a bailout in XXXX and I'm sure that they've received assistance from CARES and ARPA, so they know what " help '' looks like. They should not be considered to big to fail when they are failing everyday people. This is unacceptable.

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 2018-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I been disputing for months, with XXXX and Transunion and the company, LATE PAYMENTS on XXXX # XXXX account that not belong to me. 
Because of this I was denied credit ; I beg you for your help to solve this problem ; I tried to fix this inaccuracy myself but I never received a satisfactory outcome.

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 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
These accounts do no belong to me. Please block and remove according to 15 USC 1681c-2.

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 2021-07-27
Company: U.S. BANCORP
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I signed up for automatic payments when I first leased my XXXX XXXX in XX/XX/XXXX. In XXXX, US Bank informed me that I was past due. I attempted to access my online account and was unable to do so. On or about XX/XX/XXXX, I reset my automatic payments and the my US Bank online banking account to make automatic payments. Instead of automatic payments when due, US Bank drew payments for 6 additional months to XX/XX/XXXX. I figured that it was a glitch in the system. But, since I was paid up to XX/XX/XXXX, I let it slide. Notwithstanding US Bank 's error, US Bank reported me past due credit reporting agencies on XX/XX/XXXX, and refused to correct their errors. I was informed by XXXX yesterday that my FICO was downgraded. Immediately prior to this my score was XXXX. 

Today, I received an online solicitation from US Bank for bill pay. I attempted to access my account and was unable to do so. The US Bank computer automatically transferred me to a system to answer questions. But, the system did not provide any questions for me to answer. Since there were no security questions for me to answer, my password was locked. After talking to two different individuals, my password was unlocked ; and, I was allowed to change my password and establish security questions. US Bank 's online system is frustrating. I was a XXXX XXXX for the XXXX  ; and a XXXX XXXX for 44 years. If I can't figure out US Bank 's online banking, I would imagine many other people have problems with US Bank 's systems. I have experience with several bank online systems, US Bank 's is the worst of them so far.

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 2018-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have been trying to get several things resolved on my credit report so I did request all three bureaus to look into several accounts. There was an account with XXXX XXXX -XXXX that I questioned because they did not even show the complete payment history. I requested all information and they did not provide they only only reported a charge off date. Indicating it was not researched.

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 2021-07-28
Company: EQUIFAX, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX XXXX XXXX and the Federal Trade Commission since i am not aware of these accounts. This has caused stress to my life. Please remove these account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I am a service member since XXXX and continue to be XXXX XXXX. I have XXXX capital one and XXXX card that where paid off and I have not used due to deployments and training. I atttempted to use a Capital One card in XXXX XXXX and the card was declined. I called Capital one and asked what was going on. All accounts where closed due to inactivity. I never recieved a notice or warning that these cards would be closed. I got upset and did close XXXX of the accounts and asked them to please open my cards again. Upon doing this I had a credit line of XXXX on XXXX of the cards but was given only XXXX limit. I think this company needs to let people know when they are going to just close your accounts especially when you are XXXX XXXX and potentially not able to use them for a period of time when you are XXXX for a year. My home address is correct my wife had power of attorney they could have contacted us via mail or phone before they did that. Now I have a lower credit limit than I was granted before the closure and a hard hit on my reports because I had to redo the same account they closed. I would appriciate the full credit line I initially was granted and Capital One knows I am military because they have been sent proof for lower interest rates while deployed and failed to give them however when contacted did fix the matter. I would like to know why I was not contacted about the closures becasue I would have had them stay open as we kept them with zero balance and had all XXXX ready in case of an emergancy while I was delpoyed or in the event of unforeseen expenses. Also I would like them to reopen the card I closed out of pure anger at the fact they would do this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: EQUIFAX, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: I.C. System, Inc.
State: CA
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:
On XX/XX/2019 I C System, Inc. added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify their collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says its mines. According to the FCRA, I C System, Inc. has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

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 2015-07-15
Company: CCS Financial Services, Inc.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The phone number calling is:XXXX. I received XXXX calls between XXXX XXXX and XXXX XXXX ; sometimes getting XXXX calls a day. Most of the time I would answer and they would hang up. Once in that time a recorded message said " Please be advised this is not a telemarketing call ; this is a business call for ... CLICK ''. 
On XX/XX/XXXX the same ph. # came up, I picked up and said " hello '' several times, nobody said anything but they did not hang up right away, so I said '' You interruppted a very important call, you 'd better say something this time or DO NOT CALL BACK, STOP CALLING THIS NUMBER! Then they hung up. 
Later that same day that number called again. I answered, again, they said nothing. I said, " I TOLD YOU NOT TO CALL BACK, I AM REPORTING YOU. STOP CALLING ME ''. I then submitted a claim to the Do Not Call site, as I have been on that registry for years. 
On XX/XX/XXXX they called not once, but twice. The first call that came in I was able to say '' YOU HAVE BEEN REPORTED, DO NOT PHONE THIS NUMBER AGAIN ''. 
On XX/XX/XXXX another call came in on the answering machine, so I again submitted a complaint. 
Today, XXXX XXXX, The message on the answering machine was different. Still a recorded message. The message said XXXX XXXX was a debt collector looking for? XXXX XXXX? If I continued to listen to the message then I was acknowledging that this person was at this number. 
I was not home when this call came in. This entire call was a recorded message. I do n't know who they were looking for. I could not understand the name, It sounded like XXXX XXXX, XXXX XXXX,???? I do n't know. But, I do know that this phone number has continued to call here after being reported XXXX, and told several times to stop calling. This is the first time they gave any names. Of which I do not know any of them. I do not know who this XXXX XXXX is. I do not have any debt anywhere. The end of the message said if I had any questions to call XXXX. 
I did not and do not plan on calling that number. I do n't need another number phoning me all the time looking for someone who does n't exist, at least, not at my home. and is n't a name I recognize. 
If you can do something about this, that would be great I am not happy with this caller phoning now a total of XXXX times between XXXX XXXX and XXXX. It is very annoying, and harassing, and I really would like it to stop if that is possible. Thank you for your time in reading this. 
***I WOULD LIKE TO SUGGEST THAT YOU NOT GIVE THEM ALL OF MY IDENTIFYING INFORMATION AS I DO NOT HAVE ANY DEBT OF ANY KIND WITH ANYONE. AND THE PERSON THEY WERE LOOKING FOR, WAS NOT ME, BUT SOME PERSON, BY A NAME THAT I DO NOT KNOW.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: National Credit Systems,Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HI : NATIONAL CREDIT SYSTEMS / XXXX XXXX # XXXX {$2700.00} ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation