BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Between XXXX my information was wrongfully stolen, obtained, and used to fraudulently open, checking and savings accounts, multiple banking institutions, which I will provide as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These banks are not allowing me to open up a bank account with them because I am in XXXX thanks to this person that stole my identity and I have made a police report and an identity theft report and I need these records removed or I will take legal action they have to be removed off of their systems and I need to be allowed to be able to open up a bank account so I can proceed as a regular citizen

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 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX XXXX - ACCT XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX ACCT XXXX XXXX Account name : XXXX XXXXXXXX - ACCT # XXXX Account name : XXXX XXXX XXXX XXXX - ACCT # XXXX Account name : XXXX XXXX - ACCT # XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX  -ACCT XXXX Account name : XXXX XXXX - ACCT XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX ACCT XXXX Account name : XXXX ACCT- XXXX Account name : XXXX XXXX XXXX -ACCT XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX  - ACCT # XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX  - ACCT XXXX Account name : XXXX XXXX - ACCT XXXX Account name : XXXX XXXX XXXX -ACCT XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX- ACCT XXXX Account name : XXXX XXXX XXXX XXXX - ACCT XXXX has violated my rights. 

15 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 a account without my 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 by more than seven years.

15 U.S.C. 1681s-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 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 2023-03-31
Company: SLM CORPORATION
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX, I called Salliemae and spoke with XXXX regarding my student loans. I explained my needs and Salliemae refused to work with me. I offered to pay {$250.00} this day, but they refused this payment and wanted my account balance up front. I tried their repayment option to lower my monthly payment, but they refused to acknowledge extra income that would have made me eligible. They withheld any other helpful options. 

On XX/XX/XXXX, I called Salliemae and spoke with a man. Name unknown. I requested my promissory notes for my loans. He said to keep an eye on my email for the next 24-48 hours. No documentation was received. 

On XX/XX/XXXX, I called Salliemae again. I did not receive emailed promissory notes as requested. I called to confirm my request was made. I spoke with XXXX XXXX who told me the promissory notes would take 5-7 business by mail. Again, no documentation was received. 

On XX/XX/XXXX, I called Salliemae again. The 5-7 business days had passed and I received none of the requested documentation for my loans. I spoke with XXXX XXXX and explained this. I asked why I didn't receive my promissory notes, and he said that it " isn't a big deal '', that I " should take accountability '', and just pay what's due. I requested documentation again. None was provided at all to prove my loans even exist. I believe Salliemae has lost my original loan documentation, promissory notes, and paperwork to prove my loans exist. They have engaged in threatening behavior and harassment to get payment for which they refuse to prove. They refuse to work with me at all. 

On XX/XX/XXXX, I had a certified letter with a tracker mailed to Salliemae. The letter was scheduled for delivery on XX/XX/XXXX. I stated multiple times over the phone and in this certified letter that I would not be paying anything until they give me requested documentation. I requested multiple times that this not be sent to credit bureaus and to collections until they can prove the loans and give me paperwork. They have refused my requests over and over. This is damaging my credit score significantly due to their unethical practices. 

On XX/XX/XXXX, I went on the Salliemae app on my phone. The app showed there are NO loans origination documents for my student loans. 

The week of XX/XX/XXXX, I disputed Salliemae loans on my credit reports through XXXX, XXXX, and XXXX. I am happy to comply with this dispute, and to have this inaccuracy and unethical behaviors investigated. I can supply supportive documents upon request. Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My employer uses Bank of America ( BOA ) as the vendor to service XXXX and XXXX XXXX payments. Bank of America issues one credit card to service both areas : XXXX and XXXX XXXX, however, they are separate buckets for tax and reporting purposes. When you use the card it is supposed to be able to decipher on the transaction by transaction basis which bucket the transaction 's charge should go to, however, the system is not working. It does not allocate my transactions correctly which is a huge problem for tax purposes. When I try to get the issue corrected, BOA says that there is nothing that they can do. They say that they are not allowed to correct the allocation issue. 



I have tried to work with XXXX from BOA who then transferred me to XXXX. They are not allowed to fix their issues. It just becomes a consumer problem. 

Date : XX/XX/23 payment to The XXXX XXXX XXXX for my daughter 's therapy. 
Transaction Amount : {$350.00} Action Taken : NONE ( I was told that there is nothing that they can do )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: NC
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 XXXX XXXX account XXXX, XXXX XXXX account XXXX, has violated my rights. 

15 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: GA
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:
A collection showing on my credit report does not belong to me, or my address has no ties with this collection or me. This was added to my credit file without my knowledge or my consent. This is illegal and against the law, stated 15 U.S.C 1681 section 602 to be reporting improper accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Coinbase, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an email from XXXX and XXXX, which said this : Call for Dispute & Cancellation : XXXX ( XXXX ) XXXX Payment of {$690.00} for XXXX Purchase from Coinbase to be unauthorized.If you wish to cancel this request, call us at XXXX ( XXXX ) XXXX New Invoice {$690.00} Due on XX/XX/2023 Pay Invoice Invoice # XXXX XX/XX/2023 Customer XXXX XXXX Additional Recipients XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Download Invoice PDF Invoice summary XXXX XXXX {$690.00} Payment of {$690.00} for XXXX Purchase from Coinbase to be unauthorized.If you wish to cancel this request, call us at XXXX ( XXXX ) XXXX Subtotal {$690.00} Total Due {$690.00} Call for Dispute & Cancellation : XXXX ( XXXX ) XXXX Payment of {$690.00} for XXXX XXXX XXXX Coinbase to be unauthorized.If you wish to cancel this request, call us at XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, OH XXXX United States Please contact Call for Dispute & Cancellation : XXXX ( XXXX ) XXXX Payment of {$690.00} for XXXX Purchase from Coinbase to be unauthorized.If you wish to cancel this request, call us at XXXX ( XXXX ) XXXX about its privacy practices. A paypal logo appears at the top of the email. My family does not have a XXXX account. We have never sought purchase of bitcoin. I do not know what this email is suggesting, but we have attempted to purchase nothing for {$700.00}. This is fraud. I called the listed phone number. The person on the phone asked me to go to XXXX  and download software. I refused and told them I would report to the ftc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: DISCOVER BANK
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX XXXX I went into the hospital for XXXX XXXX XXXX. I was in for 4-5 days.I got out of the hospital and within 2 weeks I collapsed with XXXX at a urgent care center. I was diagnosed with XXXX and was ambulanced to the local hospital. I was in emergency for 2 days and a room for 2 days. With all of this happening to me, my spouse also had contracted XXXX. When I came home on the XXXX of XXXX because of my XXXX about not being late on bills we contacted Discover card and paid the monthly payment of {$55.00}, what was due. The late fee was already in the system and was waved that day. Never missing a payment I was happy. When the bill came for XXXX I see that the {$30.00} late fee was added. A reminder, this payment was due XX/XX/XXXX and I paid XX/XX/XXXX, 3 days late. I called Discover and they told me that the charge had been removed and it would show the next month so I paid what was due, {$55.00}. All of a sudden when I contacted Discover because they had added {$30.00} each month which could never be explained. I have continued to pay {$55.00} each month and they Discover continue to charge a late fee each month on this {$30.00}. As a matter of fact I have chatted with them may times which they say is on record to get explanations. Through all of this I was tempted to cancel this account and the person got irritated with me, ask me if I wanted to cancel and when I did not answer, he cancelled without my knowledge. I was told by Discover that he had no right to do that, I had done nothing wrong but it is still canceled. In addition if you look at the chats you will see that there is another {$20.00} that's been charged for a long time that I was not aware of and they really can't say why. I have been a good customer and am up to date with payments but I will not pay something I do not owe. To date, they are continuing to charge a {$41.00} late fee, still have my account closed and have upped my interest rate since this issue started. There are numerious chats for the record that they have and tell me I can not get a copy of the chats. They have sent emails wanting me to call to assist me with this issue and when I contact them they say they can't assist until I accept the late fees and I will not. FYI, One of the MANAGERS told my wife that if we had not gotten XXXX this probably not have happened. When my wife asked he if she thought this was out fault she said, well you got sick. We are in our XXXX XXXX and this is horrible. I hope you can help. I continue to make my payment each month to this day an the {$41.00} late fees keep adding up. Thank you XXXX and XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-31
Company: CCS Financial Services, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In or around XX/XX/XXXX I sent a formal dispute to Credit Collection Services ( CCS ) for an amount of {$200.00}, they have never verified or shown any proof of any contract I have or had with them or to pay them. They are trying to collect a debt and put a debt on one of my credit reports, thus violating the FDCPA and the FCRA. CCS continues to respond with bills to " settle '' the debt that is not owed to them and solicited me. Their practices are ridiculous. I sent another letter in XX/XX/XXXX further informing CCS they have failed to verify the account was not sold to them and or any contract with my signature binding me to pay them for the alleged debt. I have a receipt CCS signed for my letter on XXXX XXXX, XXXX. They can not provide any documentation proving I legally owe them this debt. CCS is in violation of Defamation and violations of FCRA and FDCPA. The attached documents are of CCS soliciting me with discounted rates and further validating that i do not owe them. My dispute letter is also attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2023 I recieved a phone call from XXXX. I researched the phone number and found it went to Amsher Collection Agency. I know I owe no funds to anyone so I called out of curiosity. I spoke to an unknown woman who immediately wanted the last 4 of my SSN and date of birth. I did not give it to her and basically called her out. She told me I was full of XXXX. I disconnected the call and called back with XXXX answering. Again she wanted the last 4 and DOB. I did not give it to her, requested to speak to a supervisor and XXXX came on the phone. He also wanted the last 4 of my SSN and DOB, again I did not give it to him. I informed him to cease and desist all further communications. I was hoping to actually get information on what this was regarding so I called again. I spoke with XXXX who wanted to the same information. I did not give it to her but informed her that I am knowledgeable about the FDCPA and she legally had to identify the name and address of the collection agency and who they represented. She told me not to tell her how to do her job. I informed her also to cease and desist. She then resorted to wanting my address. I gave her the numerical value of my house but not the street name. I provided all the town and city names I've live in for the past 30 years. She told me I was incorrect. I called one more time requesting to speak to a supervisor other than XXXX. I was transferred to XXXX again after more back and forth I told him to cease and desist any further communications. He said he would continue to call me. I disconnected the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: BSI Financial Holdings, Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was transferred to BSI Financial and they are awful. It took them over six months to update our credit reports with the new account. They are incredibly difficult to get service from and frequently provide contradictory advice when we call them.

Our most recent issue is trying to get PMI removed from our loan, as the balance is less than 80 % of original value. When we first inquired about this, we were told to order our own appraisal as the lender could not order it for us. We consulted with local appraisal companies and were told that if the order didn't come from the lender, it would not be appropriate. So we decided to wait until the loan fell under 80 %.

When the loan fell under 80 %, we got a letter from BSI saying that we needed to submit a written request to cancel PMI. We submitted a written request on their website, which was ignored. When we called back, we were told to write a letter, but not where to send it. When I called a third time, I was given a form to fill out, which required a charge to order an appraisal - something we were told we had to handle ourselves. We ordered and performed our own appraisal already. When we asked to speak to a supervisor to find resolution, we were placed on hold indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Harmon Law Offices, P.C.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This here Complaint is to take Notice of the Recently received " Foreclosure Sale Accounting '' from Harmon Law Offices, PC, which is full of FALSE information, including a non existent escrow account from over 10 yrs ( past any statute of limitations ) ago, non existent Inspections {$620.00} when there were Never any inspections by this party. Also, a Suspense account that is illegal, a mention of " Other Costs '' which does not state what they are, and also Publication costs of {$4500.00}. there is no way with the prices listed on this attached Price Rate sheet that Harmons publication costs can possibly be true. Please see the ATTACHED advertising XXXX XXXX pricing sheet with Harmons Letter of how insanely FALSE this so called accounting is. as stated from Harmon Law. Please see Attached. This is all false information RECENTLY received by me. Harmon Law Offices is working with XXXX XXXX to sell for pennies on the dollar-like prices and also this the XXXX XXXX  realtor XXXX XXXX is using a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to do wrong doing while hiding her own name, by signing homes over to XXXX whom has the business card showing XXXX XXXX XXXX and now the claiming to own my home now stated on reg deeds record ( ignoring my Trust and Homestead on record in Deeds office ), as being D Management XXXX XXXX XXXX, giving them their own deeds, while she evades highly potential prosecution and litigation for these illegal purchases/ sales. Lastly, the attached advertising rates sheet is dated XXXX of XXXX so that it IS accurate to this time. No way is the foreclosure accounting in this Harmon letter possibly Accurate, this is another Harmon Law on behalf of XXXX XXXX XXXX XXXX, XXXX. attempt to illegally foreclose on me and throw me out into homelessness for profit. I am XXXX yrs old XXXX  and XXXX and including XXXX XXXX affected by this ongoing severe duress see this law Elder Abuse Prevention and Prosecution Act of 2017 ( P.L. 11570 ), I will not be abused by these predators. Lastly XXXX XXXX XXXX XXXX, XXXX. is not registered to do business in the state of MA. And also the mortgage And the promissory note is Obsolete. I have this whole foreclosure auction sale of XXXX on recorded disc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Support Team, I hope this message finds you in good health. I am writing to appeal the permanent limitation placed on my PayPal account, which is associated with the email address XXXX. I strongly believe that this limitation has occurred due to a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

I have been a loyal PayPal user for an extended period and have consistently adhered to PayPal 's terms and conditions. Maintaining a positive and trustworthy relationship with PayPal is of great importance to me, and I am fully committed to resolving any issues or concerns that may have led to this unfortunate situation. 

I kindly request that PayPal conducts a thorough reevaluation of my case, carefully examining the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. The reinstatement of my PayPal account would not only alleviate the current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. If there are specific documents or details required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I eagerly await a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act everything on my credit suppose to be accurate on my credit report 15 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 a account without my written instructions Also Equifax took more than 30days to complete my investigation. I sent Equifax my request to investigate XXXX retail Account number XXXX which they received XX/XX/2023, tracking number ; XXXX Equifax has the incorrect date opened, high credit balance incorrect, credit limit incorrect, last reported date incorrect, and the date last active incorrect.

Company response to consumer: Closed with explanation