BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-22
Company: WELLS FARGO & COMPANY
State: IN
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:
Wells Fargo was notified that I elected to opt-out and I don't provide them authorization to report my mortgage to credit bureau XXXX They received a payment each month for a debt they have failed to validate. They received funds via XXXX that IRS approved. They still have not credit the account. I included bank confirmation for each payment for XXXX XXXX XXXX XXXX for which they said XXXX months were not paid. 

I also want my asset back security that is being hold by XXXX investment to be sold and the funds to be transferred to my personal XXXX XXXX. 

They have sent notification stating they were investigate the account and was expected to have complete In XXXX but was delayed to XXXX. However, they have not pause their payment due to a billing error. 
18 USC 1025 - lying, fraud, etc regarding any instrument, promissory note, etc.

18 USC 1348 - fraudulently getting money from transfer of an instrument or security 12 USC 504 - breaking fiduciary duties- $ 25,000- {>= $1,000,000} A DAY penalty ( this one has a multi-tiered system and the charge should be specific )

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Fees or costs after closing

Complaint:
I received a letter dated XX/XX/XXXX from Bank of America stating they attempted to mail a check in the amount of {$1100.00} for the execess funds remaining on a home loan escrow account. I called Bank of America on XX/XX/XXXX regarding this letter, explained that I had divorced the co-borrower on the loan and asked for the check to be re-issued in my name solely, as the payments for the mortgage over the last year had come from my personal bank account. I was told to mail in the attached form and a copy of the Divorce Decree and Separation Agreement. I mailed these in the next day. 

I received a second letter dated XX/XX/XXXX stating that " The divorce decree and marital separation agreement states that the property will be split '', and asking for additional information regarding my divorce. I spoke with two different representatives on XX/XX/XXXX requesting the refund check be split, so I could be mailed my half of the amount in accordance with the decree. I was told they are unable to follow the Court Order without written consent of the co-borrower, my ex-spouse. I explained that it is not safe for me to be in contact with my ex-spouse, and asked for a Bank of America representative to contact him if they needed his consent. They refused. 

Bank of America is refusing to follow a Court Order, and instead is choosing to profit off of me by not releasing my half of the refund.

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 2024-01-30
Company: CreditNinja Lending, LLC
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Loan request processing blind. They do not give fees, terms of payback, or interest rates, what consumers need to know. Only forced to sign the page to the next information review which is their policy and their term and conditions. After they got the customer 's request they approved and closed out without showing or reviews and fund transfer to the consumer bank. After the fund transfer to the consumer account than showed a long period of payment terms and a large amount of monthly payment. I called Creditninja and no answer due to the closed business hours try day indicated that the weekend was closed. Funds are supposed to be deposited on XX/XX/2024 but fund deposits on the same day apply to XX/XX/2024. Eventually, XX/XX/2024 re-deposit fund and XX/XX/2024 withdraw the fund. Later on XX/XX/2024, they charged {$30.00} unknown fee with a drawer from my bank. They cheat consumers. They shouldn't be doing business.

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 2024-01-30
Company: Waypoint Resource Group, LLC
State: CO
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:
After checking my credit report I am writing to bring to your attention a concerning issue I have been facing with my credit report. I have consistently requested the removal of unauthorized hard inquiries, which I have noticed on my credit report without any prior knowledge or approval. Despite sending letters to all XXXX major credit bureaus, I am uncertain about the effectiveness of my efforts, as these unauthorized inquiries persist on my credit report. Given the impact of such inquiries on my creditworthiness, I kindly request your assistance in investigating and resolving this matter. I appreciate your prompt attention to this issue and look forward to your guidance on how to rectify and prevent these unauthorized hard inquiries from negatively affecting my credit profile. dditionally, I have encountered another issue with a specific company that continues to report information on my credit report even after I have formally requested them to remove it. Despite my efforts and correspondence with the company, they have not taken the necessary steps to rectify the erroneous reporting. Given the significant implications of these issues on my financial standing, I kindly request your urgent assistance in investigating and resolving both matters. Your intervention and guidance on how to rectify and prevent these unauthorized hard inquiries and erroneous reporting from affecting my credit profile would be greatly appreciated. Thank you for your prompt attention to these pressing matters, and I look forward to your assistance in resolving these issues. I sent my first letter in XX/XX/23 and XXXX additional letters after in regards to not only this issue but many more that is stated in the attached letter. I have requested proof of these accounts with no response WAYPOINT - XXXX XXXX XXXX - XXXX WAYPOINT - XXXX XXXX XXXX XXXX - XXXX XXXX - 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 2024-01-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I have made quite a few phone calls to this company in regards to the unapplied account - an account used to hold money. They claim that full payment must be made- {$670.00} per month is the normal mortgage payment by the due date of the XXXX of each month. Since I filed last file XX/XX/23 and that was closed it seems that they never right sided the account. Payments of {$680.00} go to them and are recorded on the XXXX of every month if not before, followed by weekly payments of {$50.00} that, like all monies in excess, are to go to the principle of the mortgage. The paperwork for the money paid from my bank and statements will be included.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2024 XXXX XXXX XXXX came to my business to get a service. He agreed and XXXX  {$200.00} to me. I provided the service for him. After that he called his bank to dispute. My BOA did a favor for him by refunded {$200.00} back to him without talking to me. He was scammed and fraud. I called my bank n talked with BOA digital fraud department, they said the transaction was completed, nothing they can do. I am a BOA loyal customer for XXXX yrs. They refunded my money back to him without talking to me, they treated me like no one. Thats totally wrong. Would you help me reopen the case n investigate. I am attachment zelle documents to you Thank you My name XXXX XXXX My email : XXXX My phone : XXXX My claim # 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 monetary relief
Consumer complaint received 2024-01-30
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting 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:
In XX/XX/XXXX Citibank Home Depot store credit card with a limit {$500.00} current payment status XXXX dollars is due this account is showing as negative payment on my account that should be removed from three the credit bureaus as of XX/XX/XXXX account number XXXX remove all late payments

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 2024-02-03
Company: Tally Technologies
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2023, two days before my two major credit card bills were due, I received an email from Tally informing me that they would no longer be servicing my account ( aka paying my credit card payments ) and that I would be responsible for these payments effective immediately. With two days ' notice before my cards were due and having already budgeted for Tally to make the payments for me as they had for the previous 26 months, I was left with a TREMENDOUS financial burden, right before XXXX no less! I scrambled to find the funds to make my credit card payments and ultimately was unable to do so on time. Two months later I am still dealing with the snowball effects from this bait and switch. Tally is in clear breach of contract with myself, and countless others who were impacted by this. They made ZERO attempts to rectify the situation, just a " Sorry, you're out of luck '' response. Tally needs to make this right, either by forgiving the remaining balances on all Tally issued lines of credit, or by refunding me my payments in full. Without an acceptable preparatory period, I was suddenly expected to pay two bills when previously only required to pay one. A pulled investment was to blame for them no longer having funding to assist with my loan.As a member of good standing with this organization, I had a lower interest rate. With the severance of their terms, my interest rate increased by 5 %, thereby increasing my loan amount.I feel like they have violated the conditions of our agreement and should be required to stop interest from accruing at a higher rate on my balance.

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 2023-12-16
Company: Experian Information Solutions Inc.
State: FL
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 not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report.

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 2024-01-25
Company: ALLY FINANCIAL INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This is the continuation of the previous complaint ID XXXX. Because the system of Consumer Financial Protection Bureau automatically closes the complaint down right after receiving a response from the bank, so I have to open up a new complaint. 

The response from the bank was a XXXX XXXX XXXX XXXXXXXX, the XXXX XXXX XXXX is a XXXX XXXX XXXX and she told me in her letter to call their Customer Service about their closing my accounts when their Customer Service does not have any information and does not know anything about it? She wants me to call their customer service and yell and fuzz at their customer service instead of her when their customer service does not know anything about t he issues? 

When Ally Bank closes down my accounts UNFAIRLY, they only sent me a letter saying that they closed my accounts down ; that was it, they did not say anything why or what was the reason. I called and asked but they were not able to tell me why. 

I still have records that I did complained alot about their online banking was down a lot that I could not pay my bill using their pay bill features, and I think they revenged me for complaining by closing my accounts down. 

Also, I did use my debit card to purchases and later disputed some transactions. However, I do not think that is the reason why.

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 2024-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
My monthly credit card payment to Bank of America 's office in XXXX, Texas seemed to get lost in the mail. I had my bank- XXXX XXXX  XXXX stop payment on the two checks I had mailed to Bank Of America and issued two new checks that did make it to BOA. My account is now paid off in full. But suddenly out of the blue the original two checks I asked XXXX XXXX  to stop payment on were processed causing an account credit of {$1800.00}. I can not reach a live person at BOA to get a refund and my bank charged me for stopping payment on the original two checks but still processed those checks when they turned up late. So, I am paid up but want a refund from BOA for the double payment. But, trying to get live person at BOA to assist me has not been possible. Herding cats and communicating with the dead is easier that communicating with BOA! I just want my refund!

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 2024-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Changes in loan terms during or after closing

Complaint:
In XXXX XXXX XXXX we purchased a home. It consisted of two mortgages being serviced by Countrywide Home Loans Inc ; they designated [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX as nominee for their successors and assigns. Countrywide Home Loans Inc ended up being involved in a lot of deceitful and unethical practices ; as a matter of fact, because we were young and for the most part, clueless about the financial aspect of home ownership, my wife and I were goaded into having two mortgages on the property. The loan agents also assured us that having two mortgages was a temporary solution and we would be able to refinance both mortgages into one mortgage within a couple of years of maintaining the mortgage. 
In XXXX XXXX XXXX we sold that home. The day before settlement we were alerted by a real estate agent via the title company XXXX XXXX XXXX XXXX that there was an open mortgage on the title. As it turns out Countrywide Home Loans Inc never assigned the second mortgage to any other entity even though the first mortgage was assigned numerous times. 
So either they neglected to assign the second mortgage over due to all their unscrupulous and deceptive practices or they wrote it off as a means of their incarceration agreement and neglected to issue a clearance of 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: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX I bought a XXXX XXXX XXXX XXXX called XXXX XXXX Package in which I was entitled to weekly training webinars, XXXX assigned mentor for support, assistance and review for financing on qualified deals, offers and contracts before submission, XXXX XXXX to work deals for 2 days, Access for XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX told me I will get all of this as soon as I pay for the package. So on XXXX XXXX I paid with my debit card from Citibank the amount of XXXX and on XXXX XXXX I paid the amount of XXXX. On XXXX XXXX I call Citibank to dispute these transactions because on XXXX XXXX I called XXXX XXXX and makes my complaint about not getting all the things that were in the contract I signed they told me I have to wait for they to check if I qualify to get my money back. So this is the reason I dispute these transactions with Citibank to help me to get my money back. Then Citibank sent me a letter asking me for the days of the transactions and the amounts and explanation of what happened. They never ask me to send any paperwork, I did what they asked me for following the protocol but on XXXX XXXX they sent me letters saying that they werent able to resolve the dispute because of lack of information. I called them and sent them email letting them know they never asked me for any paperwork to proof or show the fraud so they reopen the disputes but till now they never answered me back. On XXXX XXXX I sent by a fax all the paperwork asked me from these transactions and I didnt get any answer back so on XXXX XXXX I sent a mail to Citibank with all the paperwork they asked me but till now I dont get any response. I think I acted as fast as I could to dispute these transactions but Citibank didnt support me. This XXXX XXXX  had a court accin that the FTC of USA opened against them around XXXX XXXX after that on XXXX XXXX The court by the petition of the FTC cancelled everything XXXX XXXX XXXX were doing because of the fact of using students selling classes package that they never give to them properly according to their contracts. Im in New York and I know there were many students from different states of USA that were affected by XXXX XXXX XXXX but I know many of them were helped by their banks to get their money back. My complaint is against Citibank because they didnt give me enough support to get my money back and till know every time I called them they kept me in the phone for hours with no explanations about my disputes. I know they been helping students that did their transactions on XXXX and XXXX but I feel that they denied their help to me. I have all the paperwork that I sent to Citibank if you guys need it to help me Thanks so much Sincerely XXXX XXXX XXXX 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 2024-01-21
Company: AmeriHome Mortgage Company, LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
When XXXX XX/XX/XXXX I had it me and my son and I was XXXX XXXX XXXX for months wasn't able to pay my mortgage and fell behind.

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: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
In XXXX of 2022 I changed my Home Insurance company. A check for {$2100.00} was sent to Freedom Mortgage to be applied to my Escrow. 

Freedom Mortgage received the check and never applied the check to my Escrow. When reviewing my statement it is also stated that it is not applied.

Due to not applying the check to my account they have increased my mortgage to cover the Escrow shortage.

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