BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
This is a follow up to the complaint I filled with CFPB on XXXX complaint XXXX XXXX, I was contacted by BOA Resolution Specialist, XXXX XXXX XXXX XXXX 
BOA modification department requested additional information which I have timely submitted and they are in a satisfactory standing by BOA, however, BOA is coming back asking for additional new information that are totally unrelated to the my loan mortgage modification such as for example, I have to prove that my wife is living with me in the same house? Unbelievable request, yet I did provide the additional information to verify that, I have also submitted more financial information over and above what they asked for, which is satisfactory to BOA Yet I am still getting phone call messages form BOA for additional, frivolous, demeaning, intimidating and insulting information that are being fabricated to induce delay. I have written a detail letter to XXXX XXXX that I am enclosing with my complaint f.or your review At this point, it is very clear to me that BOA is delaying the inevitable modification by keep increasing my loan amount and pressure me into accepting a marginal modification offer that I will have to accept in order to stop the clock, again, a predatory tactic. BOA keep asking for more and more totally irrelevant information and documentation that are unrelated to my loan modification, in the meantime my forbearance amount keep adding up with the higher and not modified monthly payment eating up my equity and increasing my loan.

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 2023-05-18
Company: World Acceptance Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Constantly calling me for a family members debt because they can't reach them. I've gave them the number I have for the family member and they still can't reach him after that and now they're back calling me constantly over a year. I'll talk to the multiple times both companies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: SYNCHRONY FINANCIAL
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I applied for the California Mortgage assistance program on XX/XX/XXXX. My application was finally approved on XX/XX/XXXX and the assistance program paid my mortgage company, Specialized Loan Servicing ( SLS ), to bring it up to date. I had previously set up automatic payments with them which they failed to cancel once they received the payment from the assistance program and they processed my payment on XX/XX/XXXX for a total of {$3800.00}, and it was deducted from my bank account. I called them and told them that they were not supposed to process the payment since my account had been paid up to date by the assistance program and they assured me they would process a refund check and mail it back to me. I have called them quite a few times because they have a track record of messing things up and each time they assured me that they mailed the check to me. I called earlier this week and they said they had sent it out on XX/XX/XXXX but I still haven't received it. I decided to call today and the " customer service '' representative at XXXX who answered told me they had wired the payment back to the mortgage assistance program. I am not sure when or why that decision was made. I spent an hour on the phone with them and they said all they can do is advise me to contact the mortgage assistance program, which I think is ridiculous considering they are the ones who made the error. If I had not contacted them asking for the refund they would've just credited my account which would've been better than completely losing the money. This is a huge financial burden on me and I really need the money as soon as possible. My mortgage company essentially stole the money from me as the payment was not supposed to be processed since my account was brought current by the mortgage assistance program. I contact the California mortgage assistance program but they are unsure on how to handle it as they have not encountered this issue before. SLS needs to resolve their error and refund the money to me!

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 2021-06-06
Company: Syncapay, Inc
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a {$10.00} promotional prepaid gift card from XXXX XXXX XXXX XXXX XXXX XXXX now owned by Syncapay , Inc. XXXX for completing an online rebate form after I purchased a graphics card from XXXX XXXX. 

The card expired in XX/XX/2021, and when I called XXXX 's customer service line on XX/XX/2021 to see about my options for retrieving my funds, they told me that the funds had expired along with the card, and there was no way for me to retrieve my funds. My money was essentially gone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I made 2 payments to Lowes/ Synchrony Bank with my online Banking from XXXX XXXX checks were issued. 
1- {$110.00} issued on XX/XX/2023 2- {$900.00} issued on XX/XX/2023 I have sent copies of the checks front and back, letters from XXXX indicating the payments and Affidavits of Forgery to be filled out signed and Notarized and returned to XXXX if the checks were not received. I have sent these documents to Lowes/Synchrony Bank on multiple occasions and have been on the phone with XXXX and Lowes Synchrony Bank many times trying to resolve this matter. The last time I spoke to a Lowes/Synchrony Bank Manager he said that it was not under his preview to fill out the Affidavits each timBanks they point fingers at each other as the problem.

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 2023-07-27
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX XXXX, I issued a check to one of our vendors for {$8300.00} to pay our monthly statement. On XX/XX/2023 when our vendor said they did not receive our check, we investigated and found that our check was intercepted, whitewashed, and mobile deposited by XXXX XXXX to an account in XXXX  XXXX XXXX in XXXX XXXX Mo. We immediately notified the fraud department of Citi Bank. They sent us the official forms to begin an investigation, which we immediately filled out and returned. 
A similar thing happened to us approx 5 years ago and Citi Bank made good on the {$5000.00} immediately, but the said we had to enroll our company in their POSITIVE PAY PROGRAM. We did and have been logging every check we have written with the name, check #, and amount with Citi Bank prior to mailing to prevent fraud We have been paying for this service for over XXXX years and write approx XXXX checks/month. Obviously Citi Bank or XXXX  XXXX XXXX did not catch this fraud on a {$8300.00} check. We have been in contact with numerous agents at Citi Bank ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) who all say that Bank XXXX XXXX has XXXX working days to respond. Obviously it has been much longer than 120 days and their answer is that they can not do anything to force them. 
I have several issues with this policy. 
( XXXX ) Why do we have to wait at all since we enrolled in their POSITIVE PAY to prevent this in the first place. Their answer is that it is not a guarantee. 
( XXXX ) What legal ramification does XXXX  XXXX XXXX have if they refuse to admit fraud? 
( XXXX ) Why wouldn't Citi Bank take care of a XXXX year customer with XXXX a XXXX dollars on deposit? 
In closing, I think government or some banking oversite agency needs to get involved with these type of practices if the bank will not take care of these types of fraud.

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 2022-04-25
Company: Resurgent Capital Services L.P.
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:
The 3 credit bureaus advised me to file a fraud complaint with the FTC to have all these fraud account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4700.00} ; XXXX XXXX Balance Owed : {$330.00} ; XXXX XXXX Balance Owed : {$10.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$310.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$18000.00}.

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 explanation
Consumer complaint received 2023-07-01
Company: KEYCORP
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Unable to add my KeyBank debit card to XXXX XXXX. Called Key on XX/XX/23 spoke to agent who advised me I need to contact XXXX and that is not the case this issue has to be fixed within the bank that issued the card witch is KeyBank. I then escalated to a supervisor XXXX who wanted to tell me the same thing. Ive been through this before with other financial institutions the ignorance, incompetence and lack of training to resolve this particular issue is above me. The error given even states CONTACT CARD ISSUER. Am I not getting it?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: KEYCORP
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I went bankrupt on a Key bank account for a mortgage on my house in XXXX. In XXXX, my son was XXXX XXXX XXXX and I signed up to have a joint bank account with my son at a Key bank. Key bank withdrew {$300.00} from my son 's checking account that had my name attached to the joint account through Key bank. Initially, I have contacted the bank institution in Iowa for unfair bank business transactions. Within the past 4 years, reached out to Key bank to resolve the issue and get a refund from Key bank. Key bank representatives tell me that they can't find the account in their system from XXXX to correct this error of stealing the money out of my son 's Key bank account in XXXX for a Key bank bankruptcy account. I sent all information to Key bank to show the account number associated with the issue. I had to reimburse my son for the money that Key bank illegally took from my son back then!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: EQUIFAX, INC.
State: AR
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX  : {$510.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 
XXXX XXXX XXXX XXXX {$810.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you. 
XXXX XXXX XXXX : {$14000.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you. 
Also, I would like to request your verification of the aforementioned accounts. If you can not prove the items information to be 100 % precise, please correct them right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Unfortunately, I co-signed for a car loan for my niece which she defaulted on. I had made most of the payments, but then lost my job during Covid & stopped paying her debt. The car was repossessed. I received a settlement offer on XX/XX/XXXX. I called Santander & was told as long as I paid the exact amount the debt would be discharged & my credit report amended. On XXXX XXXX  I sent the exact amount ( XXXX ) to Santander Consumer USA via ACH. I never received notice regarding this transaction & considered the matter closed. On XX/XX/XXXX, I received another settlement offer stating I had a balance of XXXX & they would accept XXXX to settle this debt. I called them & stated the payment had been made in XXXX & they said they would correct this error, but to date, I have not received any communication to this effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
This credit card was not opened by me and was never used by me. I contacted the card company letting them know it was not mine and I did not have an account to log in and see charges. I did not ever have possession of a card. This was a fraudulent account and I called multiple times to have it removed.

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 2023-07-04
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I received a notice via USPS dated XX/XX/2023 from XXXX XXXX XXXX XXXX, XXXX located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX, regarding a mortgage account with Navy Federal Credit Union. Within the letter there is a section labeled " How can you dispute the debt ''? It advises me to respond by XX/XX/2023. 

Today XX/XX/2023 I received a second notice labeled as Notice of Nonjudicial Foreclosure Sale from XXXX XXXX XXXX XXXX, XXXX located at XXXX XXXX  XXXX XXXX, XXXX, GA XXXX. Per Georgia Attorney General 's Consumer Protection Division 's website https : //consumer.georgia.gov/consumer-topics/debt-collectors XXXX XXXX XXXX XXXX, XXXX must give me the allowable time to dispute the debt in its entirety or partially. The first notice from XXXX XXXX XXXX XXXX, XXXX stated that I have until XX/XX/2023 to dispute the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I called Ally on XX/XX/XXXX regarding the late charges of XXXX on my account due to the last car payment was made on XX/XX/XXXX. I advised that I wanted to see if the late fees could be reduced somehow due to COVID issues. The customer care professional advised that my loan was PAID IN FULL and I would recv my title in the next 10 days. 

After not recv my title I contacted ALLY and advised that I had not recv my title. 

XXXX advised that there still showed an existing balance. 

I advised XXXX that the customer care advise that this account was paid in full and he said that give him 3 days to provide feedback after the call was reviewed. 

The call was reviewed and confirmed that the customer care person advised that this account was PAID IN FULL XXXX advised that the account we be sent over to the complaints due to this issue. 

XXXX SUPERVISOR called back and advised that he would need to send to manager because he did not have the ability to waive that much in late fees. 

Manager never called me back. 

XXXX from the charge-off department called on XX/XX/XXXX and advised that there is no notes at all to reference any of the above calls and she has no idea about the above. 

XXXX escalated to XXXX the supervisor and he advised that he could not access the system with the notes and the best he could do was provide 15 % off the late fees. 

I advised that I would escalate this issue to CFPB and the XXXX 

I have been getting the run around and no one taking accountability for the inaccurate information that was provided by ALLY.

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 2022-09-06
Company: EQUIFAX, INC.
State: CT
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:
I have numerous accounts being reported incorrect. I have items that are well over 8 years they are currently reporting as a newer account that should be off my credit report. I have Inquiries that are false and some are not off my credit report. Last, they are reporting wrong information because they are receiving old Information from other credit bureaus and not actually getting the right information so my credit score is suffering because of this. This is lawless and Unconstitutional. These acts do not comply with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: NAVY FEDERAL CREDIT UNION
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: Account status incorrect

Complaint:
Navy Federal Credit Union has violated TILA laws and have reported late payments on my consumer report which is illegal and they reported while the accounts was in dispute.

I have spoke with Navy Federal Credit Union numerous times to get this issue resolved but haven't had any luck to getting this matter resolved. I have been disputing my auto loans with Navy Federal Credit Union since early XXXX  and haven't got any results.

Company response to consumer: Closed with explanation