BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
This is the second time to encounter this similar issue. Check the Bank of America website for auto-loan rate, it shows as low as XXXX for a XXXX term and also indicates. the rate of " as low '' does not include the relationship discount. 

So I moved forward to submit a pre-qualified application. Later, I received an email to notify I was approved and asked me to call the loan officer. 

After calling them, I was informed that the rate was much higher than the expectation. Inquire about the reason, get an " industrial standard response " that the rate is based on the various factors ''. I further request what to do to get the best rate. The loan officer responded that if I increased the amount, the rate would decrease some. But it is still much higher than the advertisement rate. I further ask that if that take into consideration of relationship discount, the loan officer responded yes. 

I expressed to him that I know my creditworthiness that my credit score meets the A+ tier for ( i would not say 100 % of the financial institution definition but at least 90 % of the financial institution definition ), and I have bank with them more than a decade, never default, and currently platinum tier ( second from the top, top is diamond ) relationship, XXXX XXXX also considered low, and i don't what whatelse could prevent me from get the lowest rate or any of factor that i can expose them to higher risk. If the bank implements risk-based pricing which utilize the credit report, the score has captured tons of risk factors and covert to a score already. If their so-called " other factors '' are part of the calculation of the credit score, it is like double counting or inconsistency since whatever the credit score model used has a unique algorithm to weight different risk factors accordingly. Anyway, the loan officer can't and didn't provide any further explanation or point out any specific reasons that I could expose them to higher risk from the record on his end. 
This appears to be an unethical business practice called " bait and switch ''. And their practice further damages my credit score due to a soft pull or hard pull inquiry as I receive notification from other credit monitoring. I would really know what is the real cause so I can either correct it or stop the attempt with them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2023 I had an appointment with Wells Fargo at the branch address XXXX XXXX XXXX XXXX, XXXX Maryland XXXX to open up a trust checking account. I submitted my trust to the banker and the XXXX department confirmed that the trust can be opened. The trusts name is XXXX XXXX XXXX ministry trust. As we were going through my personal information I told them that I was a non resident alien of the United States. The banker said this should not be an issue because the trust was already verified. As the banker was on the phone with the department that handles these matters he was told that they do not open any accounts for sovereigns and that the account can not be opened. The banker was surprised because hes done trusts with non XXXX citizens before but apparently he said this is a new rule. I believe this is discrimination because the account would have been opened if I was a citizen. This should not matter to opening a bank account. I gave them all the information that was needed and they accepted this until I said I was a non resident alien. This is unacceptable and very unprofessional.

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 2023-11-24
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
While checking my most recent credit report, I noticed 1 Account that I am unaware of, and believe to be fraudulently made by the following companies : Account : 1. XXXX XXXX XXXX XXXX XXXX XXXX ) /XXXX  XXXX When looking at XXXX, this company is not reporting to them any longer. Why is this being reported in Equifax? And it was fairly recently that this was reported. This is fraudulent, inaccurate, and a violation of my rights. There has been no contact from XXXX or XXXX XXXX XXXX to collect on this loan. I've contacted XXXX multiple times and they do not have this account. I've contacted XXXX XXXX XXXX and they do not answer either. So I can not verify this account or resolve this. 

I've asked before if XXXX XXXX XXXX XXXX XXXX that they own this loan since I gave no permission for my personal information to be given to any company. And I've received nothing. 

I have reached out to the US Department of Education and they do not have records of this account, nor do they keep records of private student loans. 

I request that Equifax and XXXX show how they verified this account. 
Are they verifying this from the guarantor? 
In XXXX they are not reporting, so how are they reporting here? 
Who is the guarantor of this loan and can they provide proof? 
Why does the report date show XXXX of XXXX  and not the XXXX  date of XXXX? 

There are several inaccuracies compared to the account under XXXX. If this account is not being accurately or fairly reported, I request this account be removed as this is a violation of my rights. 

I have attached what is being shown in my credit report. And have sent a letter to Equifax. Page 3 of the attached document shows the inaccuracies of the last report date and that the account is still reporting whereas with XXXX it is not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I called BofA because they erroneously denied my wellness incentive from XXXX. XXXX does not require any documentation for the reimbursement. They told me the issue would be resolved by now previously. However I looked on my account and there is a negative balance on my account. I called back, they put me on hold forever, then the agent hung up on me almost immediately once i did get through because it took a couple seconds for me to get off mute - i guess they thought it was a false call. 
There is no way to contact the bank electronically. The chatbot is an XXXX XXXX and can not resolve issues. there is no email. This makes it virtually impossible to resolve issues and access my funds. 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 2024-01-05
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I had a loan with XXXX XXXX for my vehicle. My vehicle was paid off by insurance due to it being totaled, on XX/XX/. My monthly payment where due on the on the second of each month. My insurance had contacted Kia and requested a pay off amount and let them know they would be sending a check. The check took couple days but they received mean while Kia kept sending letter to make the payment or otherwise this would go on my credit report for failure to make payment. I eventually made the payment because I didn't want my credit to be ruin just for this. Kia had mention I would get refunded if they had received and excess payment. Once everything was paid I call an ask about my payment they told me that it will take like 30 days so they can process and close the account. The 30 days passed and nothing happen. I called again and they keep telling me its on hold because they need to figure out who they sending the money to. They said wait 10 days and call again. I keep calling and they tell me its pending and they will transfer me to someone that may help me after they just hang up or always tell me they don't have anyone that speak Spanish that may help me. Its been more than two months and I havent received my money. I wish they where as good to resolve this issues and refunded me my money like they where on me to make my payment. On the account on the documents they have that they issue a refund for the amount of {$510.00} on XX/XX/ but this is not the case I never did received. There is also document saying that the amount of interest for XXXX  for my account was the total of {$710.00} which I don't know where this money is because they haven't sent me anything. I tried reach out to them many times and they just have me on hold for hours to end up hanging up on 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 2024-01-16
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a PenFed checking account that I opened and have never used. Today I checked my credit report and noticed that there are three hard inquiries on my report from PenFed. Ive never contacted this company for a loan or line of credit. These inquiries are violating my right to accurate reporting. These inquiries must be deleted as they were not done by me. PenFed can place a security alert on the account if needed as I did not apply for credit from them. 

Acct # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14
Company: LoanCare, LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE AND NOTICE TO PRINCIPLE IS NOTICE TO AGENT. NOTICE OF REJECTION, REVOCATION AND TERMINATION OF ALL SECURITY INTEREST. This letter shall be considered lawful notice that I hereby REJECT, REVOKE and TERMINATE of all security interest to you. I am now doing the recession of the security interest that I gave you. I am doing a recession of you being able to keep my proceeds from the security. I am taking back the security interest that I gave you in this contract and the proceeds that you are receiving off of my contract. This correspondence is to request all certified copies and/or copies of all bonds, securities, assets, and contracts being used to leverage or involved in the beforementioned ( loans/mortgage/promissory ) numbers. Please be timely with your response to the Regulation Z and Federal-Truth-In-Lending Act guidelines. LOANCARE , LLC on behalf of XXXX XXXX XXXX XXXX XXXX multiple violations of Federal Debt Collection Practices Act ( FDC PA ), violations of UCC 3-501, Violation of Privacy and Gramm-Leach-Bliley Act, fraud, aggravated identity theft, Identity theft, extortion, theft by deception, mail fraud, Slandering, Libel, Securities and Exchange Commission ( SEC ) and General Accepted Accounting Principles ( GAAP ) fraud. negligent and willful noncompliance with the law. UCC 3-501 also requires servicer to show authority to make demand for payments, if it does not own the note, but is merely servicing it. In the event a note holder or servicer or will not exhibit the note or perform other legal requirements when requested to do so by the borrower, this UCC section allows the borrower to discontinue payments WITHOUT DISHONOR until such time as the note holder or servicer complies with all laws or contract provisions. This letter shall be considered lawful notice that LOANCARE , LLC on behalf of XXXX XXXX. All prior Powers of Attorney, all other prior presumed or granted Executorships, Trust, MERS and Agency relationships are terminated. I hereby invoke all of the protection guaranteed to me under all Titles, Codes, Statutes and/or laws, the Florida Constitution and the Constitution for these United States XXXX LOANCARE , LLC on behalf of XXXX XXXX XXXX XXXX XXXX willful noncompliance with the law, Civil liability. Criminal liability for willful and knowing violation.

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 2024-01-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made an online deposit for a Title Company Check. The online system said there would be a hold on the funds until XX/XX/XXXX. Now today, XX/XX/XXXX they decided to change the hold until XX/XX/XXXX due to internal indications of fraudulent activity on the account. Not my account mind you, but on the Title Companys non-Wells Fargo account. No further explanation other than their overnight deposit system flagged it. Ironically I could have taken the check directly to the bank and they would have just cashed it. Now my bills are going to be late!

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 2024-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit 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:
Bank of America credit card fraud has been going on since XXXX 2023. They are still claiming I owe over XXXX dollars and are charging late fees and interest and sending me to collection! I owe this bank nothing, but they are reporting me 199 days late on payments to XXXX, XXXX, XXXX, which is really hurting my XXXX XXXX!! I hope you can help. Bank of America has had over XXXX dollars total fraud on my credit card since XXXX of 2023. This all seems to me a little fishy?

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 2023-12-11
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit 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:
I have a Paypal credit card. Part of this wonderful card is that allows you to use it online anywhere paypal is accepted. One of the perks of this card is that anything over {$90.00} or {$99.00} you are able to have in a special financal promotion for 6 months. Which is a blessing since I been buying XXXX gifts. I have various puchases made that they are from a merchant name XXXX which their special promotions expires in XXXX and XX/XX/. I made a few returns of my XXXX purchases at the same time I made purchases of other merchant name XXXX for {$100.00} Which the promotion is not due until XX/XX/. Anyway paypal credit took it upon itself to apply all my refunds from XXXX to pay off most of my special promotions that are not due until XX/XX/. I was under the impression if a refund is being return from a specific merchant the refund will be applied to that merchant. That way that special finance promotions will be paid off on time. I have contacted paypal via chat to speak to Synchrony bank and they tell me its Paypal Credit system issues problem. I contact paypal and they tell me its a matter that Synchrony needs to fix. They claim they fixed the issue but my account still looks the same. Which makes it be that my purchase from XXXX special promotions will be due in XXXX or XXXX when it should have ready been paid forcing me to pay interest on them or rush to pay them off to avoid paying the interest. I was supposed to get a notification of when it was all fixed but I received nothing. Im not able to take a screenshot of my account because paypal isnt allowing it for privacy reason. Your assistance regarding this matter is gratefully appreciate it.

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 2024-01-30
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX. ran my credit report without authorization. I don't recall applying for credit with this company. I called back in XX/XX/2023 and asked for written proof of at the time they couldn't provide. I need this removed immediately off of my credit report ASAP.

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 2024-01-29
Company: Eastern Account Systems of Connecticut, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CREDITOR : XXXX  Date reported XX/XX/year> DATE ASSIGN : XX/XX/year> AMOUNT XXXX Account # : XXXX I have collections that don't belong to this account which can cause harm to my credit. Also getting reported on different accounts under different names.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I signed a Deed-in-lue agreement with m & t bank in XX/XX/year>. I send the deed and keys to the bank. Now the bank said they cancelled the DIL and wants me to begin the process all over. They want me to try to sale the house again, go through short sale again, before DIL again. It doesn't make sense. I don't want to retain the property after I have already signed a DIL. They want to continue reporting late payments on my credit report. Lawyer are difficult to get and expensive. Please, help me stop this nightmare.

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 2024-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Merrill lynch discussed my account with another business without my permission and disbursed my funds to that business and lied and said they never accepted the check I deposited they stated they sent the check back to XXXX when they did not they illegally sent my funds to a check cashing place when I had already changed my mind with cashing with them I did not receive funds on XX/XX/XXXX from them and thats when I cashed my check with Merrill lynch XXXX could not put a stop payment because it was already cashed with Merrill I still havent received my funds to this day these companies are both crooked and I need my funds back.

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 2024-01-31
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
On XX/XX/XXXX, NewRez purchased a forced place insurance policy for the home collateralizing my mortgage. NewRez had the wrong address in its system for this home, which is amazing considering it's their their collateral for this loan. The address is correct in all the source documents. NewRez just never bothered to read them or double check their data entry,. Although my contact preferences are set to email, NewRez didn't email me, and they mailed their notice about forced place insurance to the wrong address. Consequently, I never received any notices about their intent to purchase forced place insurance because NewRez incorrectly my homeowners insurance had expired. 

A simple review of my file would've determined that forced place insurance wasn't necessary. XXXX, the mortgage servicer that transferred my loan to NewRez, paid to renew my policy in XX/XX/XXXX. I attached a copy of the policy as well as a copy of my XXXX from XXXX showing XXXX paid for an insurance policy in XXXX. 

I began contacting NewRez on XX/XX/XXXX. I've called 4 times enduring long waits while NewRez employees research the file. I've also opened 6 chat sessions, and my insurance agent has called 3 times. I've spoken to XXXX XXXX, XXXX XXXX, XXXX. XXXX, and XXXX XXXX among others. All of the people named have said the forced place insurance is being removed. However, it's XX/XX/XXXX, and the forced place insurance is still in effect. 

Although this can't be substantiated without reviewing company records, it feels like NewRez is pursuing an aggressive strategy of purchasing forced place insurance for loans that don't need it, and hoping borrowers either don't notice or give up after making it difficult to cancel. I strong urge CFPB to investigate NewRez 's use of forced place insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation