BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
After 10 months of having my accounts with bank of america, they have decided to close all of my accounts and not give me any reason at all for the closures, nor are they willing to let me speak to anyone regarding the reason for my closure. My personal accounts are all with a positive balance and are in good standing at the time that the bank has made a decision to close my accounts. I feel like I am being discriminated against because I am of XXXX decent and the fact that nobody will tell me why this is happening in the first place is completely unfair to me. I have done everything I can to keep my accounts with a positive balance and in good standing and all of a sudden today, I go to make a cash deposit to my account to find out that my cards were all blocked. 

The only thing I can think of would be because I have made several claims on my accounts over the last 10 months for people double charging my account or taking money out without my authorization, but yet it seems like I am to blame for their actions. In fact I have won all of my claims that the bank has reviewed because i was correct with filing those claims at the time they were done. The last claim that was filed under my business account was an ach claim for XXXX prematurely taking out monthly service charges from my account without my authorization because my application with them was never completed. A third party had pushed the application through to them without my final approval and so I started to get billed by them without even knowing it. How is that my fault? It is not, which is why I had filed that claim in the first place. Also XXXX agreed to refund my money for these transactions and they never did, so I filed a claim. Does this warrant a closure of all of my accounts with BofA I think not? Does this mean that I am a risky client because of other people 's actions on my account? I think not as well. So, why would you just decide, out of the blue and when all of my accounts are in good standing with normal day to day transactions, for you to just decide to close all of my accounts? Also, I am 3000 miles away visiting family in Virginia and now I can not have any access to any of my money due to this closure. I have been placed in a very bad situation now because of this and I am clear across the United States with no access to any of my money because of this decision to close my accounts with you. And the simple fact that you can't even give me the courtesy of telling why is yet another issue here. Therefore, I am led to believe that you are discriminating against me due to this premature decision to close and lock my accounts up when I have been doing nothing wrong with my accounts for you to come to this decision in the first place.

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 2020-10-26
Company: Better Mortgage, Inc.
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was Refinancing my house and after closing I found that my mortgage company didnt pay for my homeowners insurance. Even though we have it in an escrow account. My Insurance now is canceled

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Radius Global Solutions LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
Vehicle was returned 2 months early and odometer was XXXX miles. XXXX charged me for excess miles based on an erroneous odometer record of XXXX miles. The XXXX  dealership where I turned the car in resubmitted the paper work, but this collection company told me that they submitted the correct odometer reading to XXXX, but I kept getting bill for the wrong amount. Every time I called the collection firm said that they are waiting for 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 2020-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it may concern, I have been trying to work with XXXX in regards to items on my credit report that do not belong to me. They are not being helpful even after multiple attempts to communicate. They refuse to remove a couple items. I have attempted to communicate in XXXX, XXXX, XXXX and XXXX of 2020. They are refusing to assist. 

The following are the items that do not belong to me in which Experian refuses to delete : Capital One Auto Finance # XXXX {$17000.00} XXXX XXXX # XXXX {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Citi Cards AAdvantage XXXX XXXX Mastercard. I had the card hooked up to XXXX. Without any notice CITI started charging fee 's on XXXX transactions as though they were cash advances. They are not cash advances. I am paying for a service. When I called Citi they said it is a Mastercard ruling and refused to help. They gave me no notice of this change and made no offer to reverse the exorbitant fee 's and charges.

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 2020-09-03
Company: Debt Recovery Solutions, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Debt recovery solutions refuses to code my debt on my credit report as medical. This is changing the way it effect my credit. I have spoke to them several times and filed a dispute on my credit. No corrective action was taken. I would like to pay the debt. However, I ask that it be properly coded, as medical debt is required to be removed from credit once paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Sequium Asset Solutions, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Sequium Asset Solution, LLC XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX My name is XXXX XXXX, I'm making a complaint against Sequium Assets Solution, XXXX XXXX XXXX transferred the collection account to Sequium Assets Solution which is a third party, Im no longer under contract with XXXX XXXX XXXX ... ... ..On XX/XX/2020, I called Sequium Assets solution paid {$290.00} in full, 1st representative told me a paid to delete letter will be mailed to my home within 7-10 business days, never received a letter, called on XX/XX/2020 requested my pay to delete letter to be sent to my loan officer, I'm trying to purchase a home, this has been a nightmare resolving my paid to delete account, 2nd representative said the company will not send a paid to delete letter, the account will showed paid in full through the credit bureaus, I'll receive a letter within 7-10 business days, again no letter was sent, I requested to have the letter emailed or faxed, my request was denied, I was given a reference number to go on the website to receive a letter which will take 24 to 36 hours, it was the wrong reference number ... .. I called on XX/XX/2020, 3rd representative stated the account is paid in full, the company has a right to keep the collection on my credit report for 10 yrs because they are within their right according to the FDCPA, I need to call the credit bureaus to remove the collection a letter will be sent within 7-10 business days Very Hopefully, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I received a letter from Chase Auto Finance to advise me that I received a refund for title and registration fees ( they financed my 2017 XXXX XXXX ). Unfortunately, the letter was very vague and Chase didn't tell me how much the refund was for, so upon I calling Chase Auto Finance, the representative said that two checks were mailed out to me as follows : Check # XXXX for {$140.00} and Check # XXXX for {$1300.00}. However, I have yet to receive any checks. I have called a few times to Chase and they keep saying that they are still investigating the issue. Please note : that I have yet to receive my new registration paperwork also.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Monterey Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, I received a call from Monterey Financial Services, LLC., in regards to an account with XXXX XXXX. I advised the representative I was at work and unable to continue with the call at that time as I was expecting a work related phone call. The representative asked that I call her back later today. I advised her I worked late and would not be able to call back today. The representative continued to say " you are on the phone and when the call comes in you will know. '' She then proceeded to ask me questions in which I declined to answer and advised her if she would like to make an agreement to pay then to send it in writing to my address of record. She refused and stated that my credit is very important and it would have negative effects if I did not pay in full today. The company has already been reporting since XXXX of XXXX to the credit bureaus. When I advised her that if I did not get off of the call, I would lose my job and not be able to pay, she threatened to " recommend legal action and negative reporting on my credit reports '' and would comment that I refused to pay. I disputed the balance owed ( as incorrect ) on XX/XX/XXXX with no response. On XX/XX/XXXX, I disputed again stating I did not receive a response within the allocated timeframe and requested the information be removed. This dispute is still active with XXXX and XXXX. I believe this company has violated both the Fair Credit Reporting Act and Fair Debt Collection Act with their illegal practices. I never received a letter to my address advising me that the account was moved to a collection agency or my right to dispute. They only send generic emails to the email address I provided at the time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In the fall of XX/XX/XXXX we obtained a commercial bank loan from Chase. The loan officer we worked with was very aggressive with the interest rate in order to get our business. 

In XX/XX/XXXX Chase attempted to call the loan on the basis of an " ownership change '' made by the lessee of the property. Despite having been informed of the name change of the lessee as required by the terms of our loan, Chase remained very persistent until they were informed that the name change of the corporation did not constitute a change in ownership. 

On XX/XX/XXXX we received a default notice from Chase on the assertion that we had not provided requested company tax documents. Chase was using the old corporate name of the lessee as the basis for the default despite knowing that the name of the corporation had been changed. They claim there were The Borrower has made timely payments on the guaranteed loan, so there is no current or past issue with either the loan ; and there is no basis for questioning the Guaranty. To be clear, the LLC holding the building and the lessee ( corporation ) stand ready to abide by all of the terms of its XX/XX/XXXX Guaranty. 

Chase entered into this loan willingly at the current rate. They have now made two attempts to try to force a default in order to raise the interest rate at the prevailing rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Was not notified of investigation status or results

Complaint:
I am writing this due to non-compliance with the ( XXXX, XXXX, TransUnion ). They have failed to remove information that was affiliated with personal details that were challenged in the pass. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2021-02-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
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:
Hello and good day I had an disputed account removed from my credit report. From all three credit bureau back on XX/XX/2020. Later that year another company reported on the same account as that I still owned it. I have already contact all three credit bureau as well as the company that is reporting once again on the deleted account. Please refer to the attachments. The original account name was XXXX XXXX # XXXX, now Portfolio Recovery XXXX is reporting. I have reached out to them stating that the account has nothing to with me and that it has been delete off of my report. They once again are charging me for it. I have sent proof and notarized letters stated that it was delete from all three credit bureau as well as sent to Portfolio Recovery Associates. please help me out. I have reach out to XXXX, XXXX, XXXX  and Portfolio Recovery Associates. They are not wanting to help even with the proof that has been provided.Portfolio Recovery Associates have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore Portfolio Recovery Associates have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Attached are the disputes results from all three credit bureaus that the account was remove and what they are doing is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
When using Bank of America 's online banking tool both mobile and online the information being posted is misleading. I have always used what was on their main screen to determine my balance. It was not until XXXX of 2017 while trying to settle another complaint was it brought to my attention that they actual correct amount in your account is on a 2nd page, not the main page that they bring you to on both the mobile and web applications. This being the case, whenever I thought I had a positive balance and used the funds there would end up being an overdraft due to the correct information, or actual information, being on the 2nd page. These two pieces of information are the available balance history and the statement balance history. On the main screen you see the statement balance history which is what I used to determine what was available but I was told what I should be using is the available balance history. Why would you put the available balance history, if that is what consumers are to use, hidden and not the first page available when they log in vs. having the statement balance history be what shows up first? This is extremely confusing and having been a customer of BOA for several years I am very upset that it has taken the 10 years for me to even hear about the difference between the two. I believe this is how the bank is able to charge those of us who are not aware and it is false advertisement.

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 2020-05-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Fifth Third Bank is in violation of the following sections of 15 U.S.C. 1681 : 1 ) 1681a 2 ) 1681b 3 ) 1681c 4 ) 1681e 5 ) 1681i On XX/XX/2018, Fifth Third Bank made an unauthorized hard inquiry on my credit for the purpose of auto financing. During this time, I was deployed overseas and did not authorize anyone to make inquiries on my credit. I was unable to find the information needed to formally send a letter to Fifth Third Bank to dispute these inquiries. However, the inquiry made by Fifth Third Bank, along with others by other corporations during this time, significantly and negatively impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting Act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A SEction 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Around XXXX XX/XX/2020. 
I sent XXXX $ to unknown person. There are not a person, he asked me to send several times with different names. 
I am an enlisted XXXX XXXX. A female texted for me in XXXX told that she is XXXX  in XXXX which is about finance, and shes gon na help me about care package that government will send for soldiers by money. She asked me my phone number to send instructions. Her name is XXXX, and her phone number is XXXX ( XXXX XXXX XXXX. About 5 minutes later, A male called me, he said he is XXXX XXXX XXXX works for XXXX in finance. He said my pay check is wrong amount, he said hes gon na fix it but he need Me send money for him to verify. I sent all of what I had. I did ask him several time to make sure this is true. He said Ill have money back immediately. Then he asked me for my friends phone number. He said he need update same information for them. I refused to give for him because I think he supposed to have it not from me. He hanged it up, and I am not able to call him back. I texted for the female that did she give my phone number for him, she said no but I am not able to text for her immediately because he deleted her account. 
Here is some information that I have 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 monetary relief