BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have a checking account with BANK OF AMERICA I lost my card somebody unauthorized use around {$960.00} dollars from my account i make a claim I receive a notice indicating that the claim has been closed and that they dont found any errors ... I demand to receive any documentation that shows that this claim has been investigated the right way, pictures, cameras videos that shows who ever did this transactions I never authorize nobody to use the account and i never did this transactions..when a consumer open a new account by Bank of America , Bank of America 0 liability for unauthorized account promises and ensures that all consumers have 0 liability for unauthorized transactions and this transactions have been unauthorized and also who ever make this transactions has enter a invalid pin for 2 times as customer service representative just told me I demand to been provided with videos, pictures and invalid pin enter statement other wise charges to this bank will be made by the Nj division on civil rights and other consumer agencies relates I also would like to get this complaint public to other consumers and advise them about misleading ads that Bank of America is using to cheat consumers ... Zero Liability protection disclosures state if your credit or debit card is lost or stolen and you report the loss promptly you may not be responsible for fraudulent purchases made with your card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 XX/XX/2022 at approximately XXXX I began receiving text messages to my phone ( XXXX -carrier Visible ) from Bank of America asking if I had made purchases at XXXX XXXX XXXX XXXX FL for the amounts of XXXX, and suggesting those purchases were fraudulent. I responded to a question from the bank '..if I recognize this activity ' to which I responded 'NO ' to indicate the activity was fraudulent. I was then immediately contacted by a Bank of America representative via voice call ( phone number XXXX XXXX -a customer service number on the back of my debit card ) who identified himself as XXXX XXXX, a supervisor in the Fraud Department of Bank of America # XXXX He had my account open and asked about transactions made in the account. He asked about a few legitimate transactions such as a payment to the XXXX XXXX, Nj XXXX XXXX for $ XXXX, and a XXXX transfer in from my tenant for {$950.00}, both are legitimate activity. Then he asked me about the XXXX transactions for XXXX to which I answered were illegitimate. While we were on the phone, at aprox. XXXX he told me another transaction had been made which was a XXXX Transfer of {$5000.00} to a person named XXXX XXXX ' which he said he would void out also ( once I told him the transaction was fraudulent ) At no time did I authorize anyone to access my account. These transactions to XXXX and to XXXX XXXX were not authorized by me. 
On XX/XX/XXXX, I awoke at XXXX and upon checking my bank seeing the {$5000.00} transaction had not been stopped I immediately called the Bank of America fraud claims dept to report the situation and put a hold on my bank accounts. Then I went first to the Bank of America XXXX XXXX, XXXX, NY branch to further report the fraud and change my account numbers, and then to the XXXX XXXX NY in XXXX, Ny XXXX XXXX XXXX to report the fraud to deputy XXXX XXXX badge XXXX. Case # XXXX This fraud occurred to my Bank of America business account named XXXX. The debit card associated with this account ends in XXXX, and the account ends in XXXX Included are screen shots of some of the text messages I recieved ( black background ) and some my wife XXXX recieved ( red on green background )

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 2020-02-18
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Around XX/XX/XXXX, I started receiving phone calls from XXXX stating that they were Compass Bank attempting to collect debt on a loan I had taken out. The loan was for XXXX $ with my family, XXXX and XXXX XXXX, being the Co-Signers with the help of XXXX XXXX, at the XXXX XXXX, FL, XXXX, Compass Bank location. I had established payments to be made from my current XXXX Checking Account toward the loan. For four months, or longer, I had made duplicate payments toward the loan in order to have it paid off faster. This put my next payment due in XX/XX/XXXX, Once I began to receive the phone calls asking for collections in XXXX I attempted to make payments with the XXXX account, without my knowledge the account had been removed from the payable accounts. In XX/XX/XXXX this continued, I had attempted to make further payments one specifically on the XX/XX/XXXX I made a regular payment from my XXXX checking account, on the XXXX per XXXX the XXXX $ posted as a payment to BBVA AUTH LOAN PAYMENT LGAE, on the XXXX BBVA issued a reversal due to NSF which is a lie, BBVA- XXXX PAYMENT REVERSAL, XXXX states this on the 1XX/XX/XXXX XXXX XXXX XXXX XXXX Original Description NSF FEE - ITEM RETURNED Additional Details ACH - BBVA AUTH LOAN PAYMENT. 

After seeing this I have looked into the duplicate payments which were sent back as having NSF per BBVA, which is inaccurate. The bank has committed now affected my credit and possibly stolen money from me and my family. I have spoken with their fraud department, specifically a supervisor named XXXX, who confirmed this was an issue by BBVA and attempted to have me speak with a customer care specialist named XXXX XXXX, I have made multiple attempts to speak with her to no success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Company is XXXX XXXX XXXX. allegedly opened XX/XX/2017 ( 8 mos ). they claim I owe {$2500.00}. I have been with XXXX for over 16 years now. I have gladly paid my XXXX bill every month. I am not in need of another phone. They are the 3rd collection company to contact me concerning this alleged debt that is owed. I do not owe this debt. They have not shown any verifiable proof concerning this debt and me. I have contacted the agencies to have this removed and they refused to have it removed. They keep saying it is verified. yet, they refuse to send me ANY information regarding the alleged debt. the credit bureaus are implicit in this act of keeping it on. the bureaus also refuse to help in this matter.

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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

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 2023-02-07
Company: SUMMIT FUNDING, INC.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I started working with Summit Funding in XX/XX/2022. My credit is in good standing. I have not debt and a credit score of XXXX. Over the course of the relationship, I was not thoroughly explained the process. I began receiving closing documents closer to the closing of my home. On several occasion I questioned the validity of the documents due to inconsistent numbers. When the broker did review the documents, he did not say I would have to pay down points to get my current interest rate of 6.25 %. I was intentionally omitted. 

The day I sign the closing documents I was presented with a document that was entitled Discount Point Disclosure Fee. I was being asked to acknowledge that I bought down points to obtain the rate of 6.25 %. When I refused to sign the form, the company faxed another form with a different rate. The company was now saying that I bought the rate down not form 8.125 % but from 7.5 %. Despite the change in interest rates the cost owed to Summit Funding did not change. It was obvious that the practice was not associate with any real interest rate change. It was a way for the company to double their closing cost fees. 

When the company manager provided an explanation, he advised me it was explained by my loan manager. The closing disclosure stated I would pay Loan Amount ( Points ) at a cost of {$6700.00} ( 1.352 % ). He continued, We are a lender not a broker ( or vis versa ). That is the fee. Again, that is not correct. I was never told that I need to buy down my interest rate. The loan representative discussed a shop lock program on XX/XX/2022, however, I never signed or sent the money requested to hold the rate. 

I looked up Summit funding their website states there closing cost are approximately {$7200.00}. I paid approximately {$13000.00}! The company inflated my interest rate to double my fees. The loan manager skimmed over the closing documents. I did not receive preclosing meeting in accordance to rules and regulations as I was seeing documents for the first time at my closing. I felt pressure to sign the documents in order to not lose the home. 

This company is a predatory lender. Tax domement I received do not reflect the full amount of the closing costs that were paid only the points. I have attached 1. The disclosure forms. Showing the points paid and the additional closing costs. 2. The tax forms that sho
w only the points paid and do not address any additional costs 3. Both Discount Point Fee Disclosure forms. One for 8.125 % and the other 7.5 %. Both documents were sent the day of my closing. I refused to sign. 
4. The Equal Opportunity Notice form signed the day after my closing that indicates the summit representative did not review documents prior to the day of signing. The discount point fee disclosure documents that I refused to sign were not included in the document that I received from the title ( underwriting ) company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am requesting all credit reporting agencies immediately remove from their information my XXXX misdemeanor XXXX XXXX XXXX from their files. Most states remove their records that type of information after XXXX years. In VA it is XXXX years. Please work with all the credit reporting agencies to have that removed completely from their data. My file has both civil and criminal and I want both removed. That would resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: Cascade CISS Holdings, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I see a few inquires on my account that I did not consent to. XXXX XXXX. XXXX XXXX, Universal Credit Service. I called to try to get these items removed and after staying on hold for more than 45 minutes, all the companies did was be rude and give me the run around. The inquires should be removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: SC
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 Account Number : XXXX has violated my rights. Or a list of inquiries : 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 an 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 or 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 2020-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed an identity theft report ( attached ) on XX/XX/XXXX & Transunion responded with a letter dated XX/XX/XXXX ( attached ) stating '' In accordance with section 605B of the FCRA, we have determined that your request has either a ) been made in error b ) is a misrepresentation of material fact relevant to the request to block/ and or C ) you have obtained possession of goods, services or money as a result of the transaction issue.

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 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am requesting all credit reporting agencies immediately remove from their information my XXXX misdemeanor XXXX XXXX XXXX from their files. Most states remove their records that type of information after XXXX years. In VA it is XXXX years. Please work with all the credit reporting agencies to have that removed completely from their data. My file has both civil and criminal and I want both removed. That would resolve the issue.

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 2023-04-21
Company: WELLS FARGO & COMPANY
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I took out a student loan for over {$120000.00} in XXXX. When I graduated, I was paying over {$1000.00} a month back with the help of my dad who co-signed the loan. In XXXX my dad died and I reached out to Wells Fargo to let them know that my co-signer died and I needed to arrange a payment plan because I wasnt making enough by myself. They refused to arrange a payment plan and when I didnt pay the full monthly payment they defaulted my loan. Im currently making {$100.00} a month payments for this defaulted loan while taking the hit on my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: United Collection Bureau, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received two calls from the company and they left two vague voicemails. I called back and provided the reference number they gave me via voicemail. The rep would not tell me any more information unless I gave them more information. I let them know I am not comfortable giving information when they did not tell me in voicemail or when I called whom they are looking for and why. I asked them I would be reporting this as it was potential phishing for personal information under false pretense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I am a victim of identity theft. I have filed identity theft and police reports. I have also contacted all 3 consumer reporting agencies. It is almost 90 days the accounts are still on my report, and I have not received any correspondence from the consumer reporting agencies. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with MAXIMUM accuracy. I have never opened any of these accounts. Please investigate and provide proof. If proof can't be provided I demand these accounts be removed from my credit report. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Refer to previous complaints. 
Again, we needed to lift our freeze for a couple of hours to allow us to have credit checked so that we can enjoy our constitutional right, our FREEDOM to do business. 
Events : Equifax login does not recognize our login password. 
We call Equifax - they verify my particulars and request we reset the password We reset the password - Equifax confirm that the password has been changed The login does not work *again* Equifax state that they have a technical issue and ask me to log in after two hours After four hours, I try login. Failed. 
I call Equifax - they want to check my credentials which start with asking SSN, birthday, etc..and then ask " at what date that you last lifted the freeze on your account? '' - I do not know! Equifax refuse access and ONCE AGAIN insists on PAPER PROCESS.. 
AGAIN - THIS IS AN WILLFUL OBSTRUCTION OF OUR CONSTITUTIONAL RIGHT TO DO BUSINESS. We can not proceed with our business unless we submit to a two week (? ) delay to ACCESS OUR DATA that EQUIFAX collects and then monetize. 

LAST POINT : - Equifax now insist that we fill in a form with our Name, Address, SSN, Birth date and SEND THIS INFORMATION BY MAIL! By MAIL? This is sensitive information we DO NOT SEND BY MAIL to NOBODY?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: CCS Financial Services, Inc.
State: NV
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: Was not notified of investigation status or results

Complaint:
I wish to file a complaint against Credit Collection Services for their non-response to a dispute letter regarding an incorrect entry on my credit report. Despite settling the account with XXXX XXXX XXXX XXXX, the negative entry persists. 

I sent a dispute letter on XX/XX/2023 ( XXXX XXXX # XXXX, received XX/XX/2023 ), requesting specific documents under the Fair Credit Reporting Act and Nevada 's Uniform Commercial Code. Their failure to respond within the XXXX legal timeframe violates the FCRA. 

I request CFPB intervention to ensure removal of this unverified entry from my credit report, in line with my right to fair and accurate credit reporting.

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