BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I haven't been able to access my Simple checking account for two days, since the transition began to BBVA USA. They will not let me log in, and I can't get in touch with customer service. I have almost all of my money in that bank account, and no access to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Experian Information Solutions Inc.
State: SC
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:
The accounts and inquires listed on my credit report I did not do.

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 2021-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 mailed a letter requesting an investigation about questionable accounts on my credit report. I received investigation results saying that the account was accurate so I decided to follow up with the creditor. The creditor sent me a letter saying that they could not locate the account. I then mailed your company back and forwarded this information to you asking for a deletion because they couldn't have verified it if the creditor can't locate the account. However, it has been almost 4 months and this account still remains on 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 2019-07-13
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
" Comenity '' has been calling me from several different numbers, several different states, including " Unknown '' ( anonymous ) numbers for a store credit card I have already paid. 
They have also called me on weekends, at night, and at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-08
Company: Local Data Recovery, LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We received a call today from a company called Local Data Recovery. My wife talked to a guy who immediately threatened her with wage garnishment, or tax penalties if she did not pay this debt in full immediately. He told her it was a credit card through XXXX that was signed off in XXXX. My wife did not recognize that she ever had a XXXX card, which he called hear a liar about. Eventually my wife got fed up with the threats and the accusations, and just hung up. 

He eventually called back again and left a very insulting and abusive message about its going to court and we were going to get our wages garnished over it. Oh, but he was just trying to help? I had my wife call back and I then talked to both the guy and then his superior, which was supposedly an attorney? By talking to her I find it very hard to believe? She was just as bad as him and would not listen to us. At this point we still could not remember having a XXXX card because we do not shop there. She then said it was through XXXX and was just a XXXX card that could be used anywhere. I asked if she would please send us paper copies of the debt and account numbers? She refused and said they could only email it. My wife asked the same thing previously and they declined as well. 

In the process of talking to her she said that XXXX signed off on the card in XX/XX/XXXX. Later on when I said that the XXXX in Indiana is 6 years, she then changed it and said they signed off on it in XXXX. She was looking at the wrong account, which was a lie. The guy gave the same date to my wife previously, even giving her S.S. # and birthdate. So I know they were looking at the right info. As I was talking with this attorney my wife found an old XXXX account we did have through XXXX that was bought out by another collection agency Velocity who we paid off with in XXXX. We even have a letter from the agency stating that the account was paid in full. 

So, we have no idea how they got the info or why this has come up? We have dealt with creditors before and they were nothing like this even when legit. These people were awful and dishonest. They made my wife get very upset and distressed over something we had handled a few years back. I have read about the strong-arm tactics of this outfit and their bad reputation, but this has pushed me to the brink of taking legal action against them. Can you help us please? 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-09-17
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan 6 months back for XXXX dollars. My balance is now XXXX dollars and I cant afford to pay that. This will financially ruin me. The money compounds and I owe more each day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: AMERISAVE MORTGAGE CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020, I contacted Amerisave to inquire about a mortgage refinance loan. I spoke with a loan originator and went through several options. We discussed several loan strategies and how my current rating would affect the rates. We even went so far as to only include the person I informed the loan originator that my goals were to shorten my term and lower the percentage rate even if it meant a slightly higher payment. I also did not want to pay anything at closing. We looked at many options and discussed how many of them actually paid the customer money instead of having to bring money to closing. I stated that I would like to get close to {$0.00} at closing to get all terms as low as possible. I then asked if I could discuss with my wife. I was informed that the rates change daily at XXXX. 

I returned the next day to complete the application. I waited till after XXXX to be sure I received the updated rates. I looked over several other options and settled on a loan with a 15 yr term at 2.5 % with no money due at closing. 

I went through the credit check process which revealed a credit score much than what the loan originator had shared with me to get pre-qualified. 

I was then taken back to the re-select a loan as the previous loan I had selected and pre-qualified for was no longer available. It was a matter of minutes between my first selection and having to re-select a new loan. 

The new loan has a 15 yr term with 2.5 % financing but now I have to bring {$8500.00} to closing. A very different loan. I checked man y of the options and ALL of them required me to bring many thousands of dollars to closing. 

This was not what I was told nor what I selected. This feels like a bait and switch and it is predatory in nature.

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 2020-05-09
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This is a recurring problem. 
- ACH and DEPOSIT on the same day before XXXX - Bank does not allow you to deposit in app if the account is overdrawn. Example - Account overdrawn and you try to make a deposit in app - you can not. 
- Drive to bank and make deposit, all within hours of overdraw occurrence and you see the bank fee charge the next day.

- In app message, online message requesting refund - no response.

Complaint 2.

- Told would receive requested letter to forward to vendor within 3-4 weeks. No letter has been received. Did not receive debit card in time to change bill pay wallet information. Vendor charged fees. Vendor is willing to waive charges upon receipt of bank letter that the replacement debit card did not arrive in time to bank customer.

Changing banks is a slow process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: AmeriHome Mortgage Company, LLC
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: Problem with personal statement of dispute

Complaint:
Hi I applied for a Forbearance plan by my bank because they wrote on their website that they will not report delinquent and but when I say my report the upcoming month I find a remark on my report whit the letter 's PDE ( please be aware that I never used this plan I all monthly payments ) I contacted my bank right away to remove Forbearance plan because I thought that no NEGATIVE INFORMATION INCLUDING REMARKS WILL BE REPORTED and try to explain them that my whole application was a mistake ( please be aware that I never used this plan I all monthly payments ) and remove the remarks. They send back to me a letter. That, Please accept this letter as confirmation that no adverse info has been reported on my account. and never removed the remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
Bank of America reported to XXXX  and other credit agencies that they had closed a credit card account at my request and reported that the account was 30 days delinquent in payment. This was reported by BOA to credit bureau on XX/XX/2020. This was not my account. I was an authorised user on the account but not a co borrower. The BOA agent on the phone made it clear that I was not responsible. It was the account of my deceased husband. I contacted Bank of America to try to resolve this in XXXX of 2020 and they said they would take care of this if I sent my husband 's death certificate to them. I didn't see how this was relevant to my concern but I did as they asked. This is still showing up on my credit report 10 months later. The late payment amount was {$110.00}. when they closed his account. The balance on the account was {$3500.00}. which their report indicates they " charged off. ''

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 2020-10-13
Company: Experian Information Solutions Inc.
State: AL
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 HAVE A LOT OF FRAUDULENT INQUIRIES ON MY XXXX. PLEASE REMOVE THESE FRAUDULENT INQUIRIES. I AM TRYING TO BUILD MY CREDIT TO BUY A HOUSE. I AM STRUGGLING WITH MY LIVING SITUATION. I NEED TO BUY A HOUSE AND THES INQUIRIES ARE CAUSING EMOTIONAL DISTRESS FOR ME AND MY FAMILY. PLEASE REMOVE THESE 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 2020-06-26
Company: Choice Recovery, 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: Account status incorrect

Complaint:
My accounts with this company has been paid in full as of XX/XX/2020. These are accounts are still showing open on my credit report. I asked the company to remove these accounts. I was told the will at the earliest send them with their XXXX reports to the bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was trying to purchase concert tickets from a Venue ( XXXX XXXX, XXXX, MA ). There was an individual who was selling tickets on the Theatre 's web site. I contacted this person and had an exchange via XXXX  messaging. They asked that I send the money Via Pay Pal ( {$80.00} ). I sent the money. They disappeared and have ceased all contact, and the money was transferred. I filed a complaint with Pay Pal and they said I authorized the charge so there is no resolution for me. I did not receive the goods. What recourse can I take. I have the persons email, XXXX  and the messages pertaining to this transaction. Help. I thought if I went through PayPal my purchase would be protected, apparently not. 

Case Id from PayPal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 my account with Bank of America was frozen pending a " risk closure ''. The reason I am being given for the closure was due to an SBA loan payment and mismatching information with the company name. I have contacted the SBA as I do not nor have I ever received an SBA loan to which they agreed. The deposit that hit my account was actually from a customer of mine ( this is a business account ) paying me for service that we provided and invoiced for. The deposit also states the invoice number. I have been paid by this customer every month the same way since I opened the account at BOA last year. Until recently I have not had any issues. I have called and made branch visits only to be told that there is nothing they can do or provide any further information. I have been told by everyone that I have spoken to that they do not see why the transaction was flagged or why the account is being closed. As of today XX/XX/2021 I have no access to my funds, I have no money, and no help from BOA. They are directly impacting my business, and the ability for me to take care of my family. I have future payments coming that I am not able to deposit or cash due to this issue. I am aware that mistakes happen, but for there to be no communication with me about my account or whats going on is not ok.

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 2018-10-15
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2018-06-08
Company: Seterus, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage servicer SETERUS , Inc. isn't following the Mortgage servicing rules. 
I always make my payments on time. Please verify my records. 

According to my bank ( XXXX XXXX XXXX XXXX ), SETERUS, Inc. always cashes my checks between the XXXX  and XXXX day of each month. 

However, on XX/XX/2018 SETERUS sent an offer to reduce fees owed. The letter states that my account is in good standing but I owe {$1000.00} in unpaid late fees. 

I believe that SETERUS, Inc. is committing fraud because I have never been late with my payments. 

Enclosed is a copy of a letter received from SETERUS, Inc. that was sent to me. 

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 2021-08-17
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Westlake Financial Bank was supposed send me a check for my cancellation of service contract and gap insurance in the amount of XXXX and they have not sent it to me. The cancellation was received to them on XX/XX/XXXX cancellation notice was on the gap and the service contract. They have given several dates when I was supposed to receive the check but they keep changing it and pushing it back. Call XXXX XXXX at XXXX ext. XXXX she is the last person I talked to on the phone. She said I would receive it by the XXXX of XXXX. I was told different dates twice already. Please help get my money back. I financed a car from them through my with a service contract and gap insurance. I had it refinanced through XXXX XXXX XXXX XXXX XXXX. They had a better service contract and gap insurance than Westlake Financial. When I refinanced the gap Insurance and service contract was included in the loan. I cancelled theirs and have yet received the money. Call me please XXXX Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: U.S. BANCORP
State: WI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This is my ( XXXX XXXX XXXX second attempt to resolve this issue through the FDIC/CFPB. Reference original complaint XXXX. This is my written consent that US Bank is authorized to contact the third party referred to in the original complaint XXXX and I am also consenting that US Bank may access my lease account to access past payments. I also authorize US Bank to contact me directly at XXXX to obtain authorization to contact whomever they need to contact. US Bank does not provide confirmation numbers on payments made online, therefore, I can not reference specific tracking numbers provided by the company in this complaint. This complaint is in reference to US Bank Lease XXXX for a XXXX XXXX XXXX. The lessee is XXXX XXXX and I am him, and I am issuing this complaint. 

U.S. Bank, online banking ( https : //onlinebanking.usbank.com/ ), has charged me two times when I submit a payment one time. This has occurred on multiple separate occasions. This happened on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. After I submit the payment from US Bank online banking, two pending charges are shown on the US Bank online banking. When I call in to US Bank customer service, they tell me there is nothing they can do to stop the payment. The only option US Bank provides me to return the payment to me is by cashier 's check in paper mail, which takes 10 days on average to get to me. I have incurred many overdraft fees at my financial institution as a result of this and I have attempted many times to be proactive about resolving the issue caused by the obvious error in the US Bank online banking and US Bank has not helped to resolve the issue or even look in to the issue with their online banking website. I have attached 4 months of lease billing statements showing proof of the lease, lease number, lessee information, and Base Rent plus tax.

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 2020-11-17
Company: Uptain Group, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company called and was hateful and harsssing tone and stated I owed debt that I never owed. I was forced to go to XXXX in XXXX 55 miles from my home to contact the business department, phone calls had long wait because of covid. I was forced to expose myself to possible XXXX XXXX by going to a medical building to take case of the false complaint that had been paid. I put myself at extreme risk because of my age and medical conditions to take care of this false debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
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:
In XX/XX/XXXX-XX/XX/XXXXsomebody opened student loans in my name without my knowledge I reached out to XXXX XXXX  and they are working to fix the issue I do have student loans that are mine but they don't add up to the amount that's being reported on 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 2018-06-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Hello, I'm providing a statement letter attached for my dispute against the merchant " XXXX - XXXX XXXX XXXX CA '' for {$990.00} on XX/XX/2018 on the card ending in XXXX. 

The merchant has not provided what was paid for. They have actually provided NOTHING in exchange for this transaction. I ask that you please carefully review this and credit back the funds or ask the merchant to provide what was paid for. 

Thanks, 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