BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-17
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I used to have an American Express credit card. Back in XXXX I closed the account. Years later in XXXX I noticed I was still being charged an annual fee for the credit card that I closed. I called American express and opened a claim requesting to close the account and also get reimbursed for the incorrect annual fee they were charging. The service rep saw that I did not use the credit card for years and told me they will close the card and issue a credit. It never happened. They never credited me the annual fee despite the fact I closed the card years ago, and they also never closed my card. I asked them to close my card multiple times. I recently saw they put the card in collections for 2-3 annual fees. This has had a negative impact on my credit score. If we look into my transaction history you can see the card has never been used in years. Also, I was informed that my customer service calls are all recorded so my story can be verified. I am very disappointed with XXXX. This is such an inconvenience and is financially damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
PLEASE REMOVE ALL FRAUDULENT ACCOUNTS AS I HAVE NO KNOWLEDGE OF ANY OF THESE ACCOUNTS DUE TO THE XXXX DATA BREACH. ALL OF IT IS BEING INVESTIGATED BY THE FTC. ACCORDING TO FCRA XXXX THIS INFORMATION MUST BE BLOCKED IMMEDIATELY. 

CAPITAL ONE BANK - XX/XX/XXXX {$810.00} ACCT # XXXX UNKNOWN CREDITOR - ACCT # XXXX {$320.00} XXXX XXXX XXXX - XX/XX/XXXX {$21000.00} ACCT # XXXX XXXX XXXX XXXX  - XX/XX/XXXX - ACCT # XXXX {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRUIST FINANCIAL CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Truist ( simply one of the worst banks i've ever had the misfortune of working with ) cancelled my bi-monthly recurring payment without reason and without notifying me ( was scheduled for XX/XX/XXXX ). Additionally, they are not letting me make a payment at all ( says payment options are unavailable to me ). 

All I want it to be set up on recurring bi-monthly payments as their offering suggests, without them canceling payments behind my back and not letting me reschedule. So frustrating, I've never worked with a bank that makes it so difficult to PAY. Anyone that reads this please AVOID TRUIST BANK AT ALL COSTS.

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 2023-08-31
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I called Wells Fargo XXXX Account Services today, XX/XX/23 at XXXX pm eastern time. XXXX. 

I asked to have my name and my son 's mother 's named removed from his checking account so we could not longer see his transactions. He is XXXX and deserves his privacy. 

However, the Wells Fargo representative told me all three of us had to go to a branch to have our names removed from his account. I then explained our son is away at college and my ex-wife and I do not live near each other any more. The representative then told me we could each go to a different branch and have a conference call with the branches and they " might '' be able to remove us from his account. Emphasis on " might. '' Further, trying to find a time convenient for the three of us when three different branches have the same appointment times seems to be insurmountable. Our son is in college, and both his mom and I work.

Her next suggestion was that since each of us had access to his account, we could close the account and then he could open another account on his own. I found these suggestions unacceptable.

Then I tried to file a complaint on Wells Fargo 's website while signed into the account. I searched " How do I file a Complaint. '' No results were found. Instead, I received a message saying " If you did not find what you are looking for, try the results from our public website. '' I attached an image of these results. 

Then I went to www.wellsfargo.com site and searched again for " How do I file a complaint. '' The results of that search returned XXXX results even after I narrowed down the search results by selecting XXXX filters. I also attached an image of the results from this search with this complaint. 

I then started scrolling through those XXXX results and gave up after not finding instructions. Probably after XXXX results or so, not the entire XXXX. I believe the search results are non-productive and maybe even intentional so customers get frustrated and give up on filing a complaint. 

Can there be any easier way to there any easier way to find out how to file a complaint other than searching in the manner in which I did in both ways which the bank suggested? 

Sincerely, 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 2023-10-20
Company: CarMax, Inc.
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a co-signed car loan with Carmax. I am not even 30 days late, and will not be 30 days late. They continue to repeatedly call myself and my co-signer more that 5 times per day. I told them they will be paid, there is no need to keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: MO
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:
This is XXXX XXXX and I am submitting this CFPB Complaint to follow up the first CFPB Complaint I submitted requesting the removal and deletion of the fraudulent accounts and information off of my Credit File in accordance with the Fair Credit Reporting Act section 605b. On XXXX XXXX XXXX I sent a dispute letter with complete atachments of my personal identifying documents with the FTC report I received from the FTC for reporting the fraudulent activities I found on my Credit File. I made research on how to remove the fraudulent items off of my Credit File and found that under the protection of the Fair Credit Reporting Act section 05b, I can request to the Credit Reporting Agencies to conduct an investigation on my Credit file and remove any accounts and information that resulted due to the fraudulent activity. Once again, I am requesting that the Credit Bureaus remove the following items off of my Credit File as soon as possible : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. If the Credit Bureaus find any documents that may support the claims that the disputed items belong to me, I request that the Credit Bureaus send me copies. However, if the Credit Bureaus find no such documents, immediate deletion of the disputed items is to be expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: VA
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 XXXX ( ORIGINAL CREDITOR - XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX violated my rights I have not supplied proof under the estoppel by silence, Engelhardt v. gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: WI
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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 XXXXXXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$320.00} ; ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XXXX I received an email from Bank of America wanting to verify/ confirm my email address. I thought it was a phishing scam and reported it. 

On XXXX I received an email from XXXX XXXX XXXX informing me that someone viewed my credit report. 

XXXX logged in saw that Bank of America had made a hard inquiry without my authorization. 

On XXXX I received a text message at XXXX from # XXXX. Congratulations, your Bank of America XXXX XXXX was approved. Welcome package and card ( XXXX ) will arrive within 14 days. 

XXXX @ XXXX contacted Bank of America XXXX department and reported the fraud and unauthorized authorization of a credit card and unauthorized hard inquiry of my credit history. Was advised it was for a XXXX XXXX credit card with a credit limit of $ XXXX. XXXX XXXX XXXX issued by Bank of America. Was also told that a fraud alert issued and card ( XXXX ) were cancelled effective immediately. 

XXXX I contacted XXXX to report the unauthorized hard inquiry by Bank of America. Provided them with the B of A fraud case #. XXXX notification sent to all XXXX credit bureaus ; including XXXX and 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 2023-05-01
Company: Block, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I had 3 unauthorized transactions XXXX  for {$120.00} on XX/XX/2023, XXXX XXXX XX/XX/2023 {$100.00}, XXXX XXXX {$56.00} on XX/XX/2023. I reached out to cash app and they refused to provide me a refund or investigate the fraudulent claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our loan was sold from XXXX to a company called XXXXLakeview XXXX We dont pay taxes on our property, we pay what is called a pilot into a pilot program through the township. This is an agreement with the town for 30 years to keep our pilot amount half of what taxes for the same place would cost. 

I have explained this and provided the township 's pilot bills to XXXX/Lakeview. They have miscalculated what we owe in our escrow, and collecting more than XXXX more that what we actually owe per month, bc they misread the township 's pilo statement. I have called XXXX/Lakeview at least 5 times, spoken with and visited our township for help, to no avail. If we dont pay the XXXX extra every month, they threaten to report us a loan default. 

We can not continue to afford a payment XXXX higher than what it should be, monthly. We are desperate for some help but the company is unwilling to help us. The township where they pilot gets paid- XXXX XXXX XXXX XXXX/Lakeview- XXXX. Our loan number is XXXX they are up to charging us {$6500.00} per month. Please help.

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 2020-03-19
Company: Experian Information Solutions Inc.
State: CA
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 applied for a small personal loan today XX/XX/2020 because I was laid off of work and I need to pay off bills but I did not get approved because apparently there are accounts in negative standing appearing on my credit report. I was not aware of these accounts because I have always made sure to keep my credit history in good standing. I looked through my credit report and I found a total of eight accounts that do not belong to me. I have no idea who is responsible for opening all of these accounts in my name without my permission but I have already gone to file a police report. I did not benefit anything such as money, goods, services from any of these accounts nor am I affiliated to any of those companies in any way.

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 2023-01-25
Company: Experian Information Solutions Inc.
State: KY
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 have a freeze on all three major credit reporting agencies. Checked reports on XXXX to apply for a loan all XXXX reports states there was an account opened on XX/XX/XXXX, but just one agency states the account was first delinquent in XX/XX/XXXX, there is different addresses for the account holder, discrepancies in the dates the account was opened and the addresses of the account holder. Disputed the account on all XXXX credit reports on XXXX my disputes was canceled so that it did not show that I had disputed the account. All XXXX credit reporting agencies states they have investigated and verified this account in one day on XX/XX/XXXX the day following a 3 day XXXX XXXX XXXX weekend holiday, which the account holder is closed. No inquiries are reported on either report. Asked for verification in writing that this account was opened on XX/XX/XXXX or must Delete this from my credit report, this violates my rights. I have not had a response from either credit reporting agency. XXXX checked the report on XXXX the account has not been deleted. Thank you.

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 2021-09-20
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently received a Major Derogatory from Caine & Weiner on XX/XX/2021. This collection agency was collecting a debt account # XXXX from XXXX XXXX  that was paid in full on XXXX XXXX  policy XXXX. 

Confirmation Number : XXXX Payment Amount : {$140.00} Payment Date : XX/XX/2021 Payment Method : Card This collection agency never made contact via phone or mail. This debt was paid in full 3 weeks before negative credit report was made. The collection agency still shows a balance due and is not responding to updating debt, showing XXXX balance or removing negative credit report. Horrible customer service and providing misleading and false information on attempts to clear debt and false negative credit report. 

This is causing me damages both financial and mental suffering. They are not responding to my communication requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: NJ
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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: JPMORGAN CHASE & CO.
State: IL
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 XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom this may concern. 

I recently received a copy of my XXXX XXXX and XXXX credit report and I noticed some late payments posted on my credit report. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your company is in clear violation of the law .15 U.S.C. 1681b, Permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

Did I give you written instructions to report this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C 1581a ( 2 ) ( A ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; Delete the above account from my credit report. This agency is in violation of 15 U.S.C 1681a.

Failure to response I would take legal actions under 15 U.S.C 1681n Seeking a {$1000.00} for each Violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I received an FHA mortgage with  Countrywide in   XXXX .  Countrywide sold  it to Bank of America in  XXXX . I was in modification with BOA since  XXXX . On  XXXX  I received a real estate business card in my door that said, " your property was sold last week call me. '' I did and did not receive a call back. I called  XXXX .  XXXX  discovered that Carrington Bank purchased the mortgage from BOA in  XXXX  and foreclosed. I was never notified of any of this. I have faxed the modification documents to  BOA many times. The return date of the modification was assigned even before BOA mailed the documents. The date on the envelope was postmarked the day after BOA required the modification returned causing me not to receive them until 4-5 days after the return date. So, it was was impossible to return them by the date they requ ired. I reported this to  XXXX   XXXX .  XXXX   XXXX  could not locate their copy of the modification, so I faxed everything to her. I was transferred and transferred, and finally told that  XXXX   XXXX  no longer work ed for BOA. Many people at BOA  reported losing refaxes and receiving only part of the faxed papers causing me to refax and refax. I was transferred and transferred, and finally was told that  XXXX   XXXX  did not work there any more.   I never receiver notice of any of a resale to  XXXX  or that I was in foreclosure.. Now, strangers are knocking on my door and I am afraid.    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