BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-30
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: Account status incorrect

Complaint:
XX/XX/2018 I contacted Bank of America to pay the balance on my credit card and close the credit card account. The reason I gave BOA for closing the account was that I no longer used the card. XX/XX/2018 a charge occured on the card for an annual magazine subscription. XX/XX/2018, BOA shows a 30 day late payment on the account. XX/XX/2018 BOA, shows a 60 day late payment on the account for all 3 credit reports for both myself and my wife. 

I have kindly asked BOA to remove the late payments from all of my credit reports and my wife 's credit reports. I paid the disputed charges ( {$77.00} ) plus interest despite the fact that the account should not have been active or open for such charge. 

My family is facing financial penalty and hardship due to a BOA error concerning {$77.00}. I believe BOA has made some effort to resolve the issue but upon speaking with XXXX this morning it is obvious they have not reached out to all parties. 

Any assistance your agency can provide would be welcomed.

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 2021-08-08
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX NOT MY NAME REMOVE IT XXXX XXXX XXXX XXXX XXXX TX XXXX IS MY SISTER ADDRESS FCRA VIOLATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Received phone call that {$1000.00} was charged to my Amazon account from phone # XXXX XXXX XXXX. Told to call this number on XX/XX/XXXXat XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: NCC Business Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I broke a lease on my apartment on XX/XX/XXXX. I had a job that was 70 miles away so I had to move closer. I gave the apartment manager a 60 day written notice and moved out officially on XX/XX/XXXX. The lease stated that I had to pay until they got a new renter or until the lease was up. They got a renter by XX/XX/XXXX meaning I would owe them for 1 month. I gave them a forwarding address, that they claimed I did not. However, I have had the same phone number since XXXX, so they could've called me for it. To continue, the renter wanted the apartment remodeled, so they chose to charge me for that time as well. So they charged me for 2 months plus they added pest control charges of {$350.00}. I didn't even get a bill in the mail from XXXX XXXX XXXX in XXXX XXXX, Florida. They sent it to NCC Business Services on XX/XX/XXXX who directly put it on my credit without even attempting to bill me. I told them when I called that I didn't owe for 2 months or for pest control. The manager of XXXX XXXX said she would take the pest control charges off but that I had to pay for the time that they were remodeling because my lease wasn't up. I contacted NCC and they forwarded my complaint to XXXX XXXX. When I called a few months later, NCC stated that XXXX XXXX said that they would drop the bill to {$1200.00} and that if I paid the bill, they would mark it as paid in full on my credit. I asked for that in writing and I never got it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
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: Credit inquiries on your report that you don't recognize

Complaint:
I pulled my experian credit report on XX/XX/2019 to take a look at it, I noticed inquiries that i don't recognize on my experian credit report. the 1st one is XXXX on XX/XX/2018, XXXX XXXX XXXX on XX/XX/2019,  XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX again on XX/XX/2019. please remove these inquiries asap off of my credit report, and mail me a updated credit report as soon as they are off 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 2019-06-06
Company: EQUIFAX, INC.
State: NV
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 am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts are showing as having late payments when its not even true. I was never late on my payments..I 've been denied credit because of this erroneous information ..Please fix XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: RoundPoint Mortgage Servicing LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 Roundpoint Mortgage took my {$820.00} mortgage payment out of my checking account ( recurring payment agreement ). On XX/XX/2019 Roundpoint AGAIN took the {$820.00} payment out of my checking account. 

I called on XX/XX/XXXX ( when I checked my bank account and saw what happened ) and asked for them to refund that extra payment ; the customer service person said they would issue a paper check and it would take a few weeks. I also sent an email that same day ( as directed ) BUT THEY NEVER RESPONDED! 

Two weeks later, I called customer service again and was told a check was issued and should arrive in 'a week or so '. 

On XX/XX/XXXX, after still no refund, I called customer service again and was told they would look into it. I requested a supervisor and was connected to " XXXX ''. He researched and said the payment was being applied to XXXX! 

No refund was ever issued or received - despite their claims. 

Why would a double payment in XXXX be applied to XXXX, and why did they lie about sending a 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 explanation
Consumer complaint received 2019-05-30
Company: AMERICAN EXPRESS COMPANY
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:
Credit card number : XXXX I opened Account in XX/XX/2019. 
A few weeks after I started receiving lots of advertisement through the post some of which had affiliation to American Express. 
On a particular week I have received so many unsolicited letters that mail I was waiting for weeks had been returned to sender due to insufficient space in my letterbox. It took me 3 weeks with a cost of at least {$60.00} in telephone bills to receive this letter. 

Sometime around XXXX XXXX I complained about these excessive advertisement letters. I was promised that these letters will stop. 

Unfortunately this didnt happen as I kept receiving these advert letter in XXXX The one in particular letter that struck me most since the complaint with Amex was a letter from a company advertising prepaid funeral arrangements. Having suffered a particular ill health and consequent complex XXXX I felt very upset and disappointed with the credit card company that allowed these adverts through letter box. My family was very concerned about my XXXX  health as a consequence of my recent XXXX and ongoing upsetting letters and I decided I needed to close the account as it was too much for me. So on XX/XX/XXXX I closed the account. Since the card charged {$250.00} in annual fees I asked for its refund as american express did not act on my instructions to remove me from all marketing correspondence when I opened the account and later when I complained about ongoing unsolicited letters. I therefore demand the company refund the fees associated with the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX, I applied for the Capital One Venture card and was informed my application would have to be reviewed and if declined, I would receive an explanation letter within 10 business days. On XX/XX/XXXX, I received an email stating my application was declined, and that I could access my explanation letter via a link to read their reasoning for denial. The link worked when I signed in, but there were no letters and it stated " No documents found. '' On XX/XX/XXXX, I called Capital One where I spoke to someone in the XXXX, and he apologized and said I would receive a letter in the mail within 10 business days. I informed him it's been over a month and it's well over 10 days. He then stated he could not tell me why I was rejected over the phone, and I mentioned I did have a freeze on my XXXX   account. He recommended lifting the freeze, and if I wanted, I could reapply again for the credit card so I went ahead and agreed. 2 days later, I then received another email stating my application was denied with another link to an explanation letter. I followed the link, logged in, and the result was no letter stating " No documents found. '' I have not received any letters over the mail, and instead received links that lead no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
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:
Mailed Letter of Validation Certified Mail Requesting how was Chapter XXXX bankruptcy verified and by Who, When, Name and contact number Letter of Credit Reporting dated XX/XX/2020 received from USBC District of Maryland Office of the Clerk, indicating that the USBC doesn't report any information to the Credit Bureaus.

Requested as to how this public record was received and validated ( Credit Bureau respond ) Verified with no additional explanations or proof Requesting that Credit Bureau present proof of Validation through USBC or Third party If proof can not be presented ( Please remove negative public record from credit file effective immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: EQUIFAX, INC.
State: TX
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 was a victim of identity theft and I submitted my police report to the three major credit bureaus. Using my police report as proof I tried disputing accounts and inquiries with XX/XX/XXXX, Equifax and XX/XX/XXXX multiple times. Every dispute I intiated never went in my favor even with my police report. Their are car loans, bank loans, and closed credit cards reporting on my credit that were fraudulently opened and the credit bureaus won't do anything to get them off. 


XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX {$12000.00} ) XXXX XXXX XXXX {$3500.00} ) XX/XX/XXXXXXXX XX/XX/XXXX ( {$760.00} ) All those accounts are fraudulently opened and I've disputed them but the credit bureaus won't delete them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My payments are sent by bank draft to arrive to Lakeview Loan Servicing before the XXXX of each month. My regular monthly payment is {$1000.00}, however, my draft is setup for {$1000.00}. I have been attempting to refinance my mortgage ( IRRRL ) and was advised by the processor on XX/XX/XXXX that they were still awaiting for my payment for XXXX to be processed so that they could request a pay off for the account. I contacted Lakeview and inquired as to why my account had not processed the payment and why do I have late fees showing on an account that has auto bill pay established? I was advised that " for some reason '' my payments are sent to a suspense account before being applied to my loan. The payment that was sent on XX/XX/2020 would not be processed until XX/XX/2020. My closing date for my IRRRL XX/XX/2020 was effected due to the company not processing my payments in a timely manner. ( I will submit another complaint in regards to how the IRRRL with Lakeview was repeatedly mishandled ). At that time when speaking with the Lakeview CSR, I requested an audit of my account but have not received any reply.

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 2019-10-18
Company: Westlake Services, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
i bought a XXXX with XXXX XXXX and XXXX XXXX as the loan company. They told me in able to get the loan i had to sign to get gap insurance so i did i know im a little slow and stupid but when the company went bankrupt they transfered our loans to westlake financial and they informed me of a credit of XXXX for the gap ins that was isued to them when the company transferred the loan westlake has told me that they dont know anything about it and that there is missing paperwork in my file i asked them to refund me the XXXX but they dont know or dont want to because they said they can not refund it to me but they can apply a credit but i was never informed of this change.i spoke with mr XXXX from westlake financial

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
I had unauthorized charged on capital one account through lord and XXXX. I had forgotten that I had this credit card since Ive rarely used it. I filed a police report in XXXX XXXX, and sent it to Capital One Credit Carr and for the unauthorized charge. I received a letter from them saying they took the account back and it remained unchanged. This ongoing situation has been going on since XX/XX/2016 and has yet to be resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
This is in reference to complaint ID XXXX. The documents provided by the company do not have my signature. I did not sign any documentation agreeing to this loan. They also provided documents showing I have not signed a limited power of attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: EQUIFAX, 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 information incorrect

Complaint:
The 3 major credit bureaus are reporting medical bills infringing on HIPAA protection rule, they are also reporting balances on my credit cards even when my credit cards are paid in full every month ( which they are ). 
Since I requested for my personal information not to be sold and or distribute to advertisers, my credit score when down from over 800 to below 700. This is an unfair practice and it must be investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
XX/XX/XXXX - Received two packages from XXXX XXXX. One was a bigger box and contained multiple books. The other was a smaller package and contained only one book. Because I did not order these books, I checked my credit card. I found an unauthorized charge of {$220.00} and then opened a fraud claim with Bank of America. The representative on the phone immediately reversed the charge. I was informed that I did not have to take any further action. - XX/XX/XXXX - Received an official BoA letter informing me of the credit to my account and that if additional information was received to reopen the case, I might be contacted again. 

XX/XX/XXXX - Received an official BoA letter informing me that " no fraud has occurred. '' - XX/XX/XXXX - Called BoA. The representative informed me that the case would be reopened for the fraud department to check. Told me to also contact the merchant, XXXX XXXX, directly with my information in order to better sort out the situation. A representative of XXXX XXXX, XXXX, told me to write up this timeline and include my phone number for contact. - XX/XX/XXXX & XXXX, XXXX - The merchant representative, XXXX, sent a XXXX  truck to pick up the books. They were picked up and sent back. - XX/XX/XXXX - I received email confirmation on the merchant 's side of receiving the books. They claimed to have sent BoA the money, and that now BoA is responsible for giving me my money. - XX/XX/XXXX - Still have not received my money. XXXX XXXX and asked for update. 

XX/XX/XXXX - XXXX said in an email : " Dear XXXX, Your are welcome. This will show up. It can take from XXXX XXXX or more business days for the reversal to be done. There is nothing more we need to do on this matter. '' XX/XX/XXXX - Called a BoA rep. Explained ALL of the above. Was told to send a paper letter detailing all of this, along with SCREENSHOTS OF EMAIL EVIDENCE to BoA. 

XX/XX/XXXX - BoA said they received my letter. Would get back in 30 calendar days. 

XX/XX/XXXX - Received the exact same letter again, although I did not send a new letter. Very confusing, XX/XX/XXXX - Called BoA, was told the case had been closed despite BoA NEVER GETTING BACK TO ME. Rep reopened the case and told me to bring paper evidence to my local BoA branch to be faxed to XXXX. Decided to report this outrageous story to the CFPB. Still have not gotten my money.

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 2019-05-30
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a copy of yet another complaint I've had to file against Ocwen Loan Servicing, a criminal enterprise. 

Thank you for using the XXXX XXXX XXXX 's Online Complaint System. 
Your complaint has been assigned case # XXXX. 
Correspondence regarding this complaint will be emailed to : XXXX Please print a copy of this for your records. 

Filed on : XX/XX/2019 Filed by : XXXX XXXX Filed against : Ocwen Loan Servicing, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Complaint Description : Ocwen is trying to charge my account with a late fee. AGAIN! Every month I send my mortgage payment Express Mail with a tracking number because Ocwen consistently holds my payment for several days before it's posted to my account. Ocwen received my XX/XX/XXXX payment on the XXXX and charged my account a late fee on the XXXX. Ocwen received my XX/XX/XXXX payment on the XXXX and charged my account a late fee on the XXXX. I made another complaint to XXXX # XXXX in response Ocwen said that the charge had been removed. That was a lie. My actual mortgage is {$1100.00} every month I pay {$1100.00} a difference of XXXX. My XX/XX/XXXX statement shows " past due fees and other charges '' of {$51.00} with no explanation of the charge. Ocwen charges a late of {$52.00}. If you subtract the {$1.00} I overpaid in XX/XX/XXXX and January from the {$52.00} late charge you get {$51.00}. I never owed a late charge and Ocwen is misappropriating my funds. Any monies I pay over and above my scheduled payment should be credited to the principle not to a bogus late charge. This is criminal. 

Your Desired Resolution : I have made numerous complaints, nothing changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I have over the last few months have had several withdrawals from my account by XXXX XXXX  XXXX CA. I have a son that's in college and told me to use this service to send him money. I did but I noticed every time after I sent him the money they would take out way more than was sent to him and what I authorized so I started to email and call XXXX XXXX XXXX and I was getting no where. Emails would be sent back to me stating that they were researching but they never did anything. You can not contact these people everything is electronic. So I finally just went online to my bank account and started o dispute the charges with my bank account last month. The last few weeks PNC Bank has started to reverse the provisional credits that they had given me for these charges giving me a the reason that the they are unable to research and or dispute outside or sorry third party vendor disputes and that I have to dispute directly with XXXX. I told them I tried for over a month and this is alot of money that has been taken out of my account they basically stayed on their script. They should it is nothing that they could do it is bank policy it will be denied and all the others will be denied. They basically told me that sorry we are not going to help you figure it out on your own, I have run out of options. I need this to be resolved I need my money back in my account because now my accounts sit in a negative balance. The charges that I am disputing are as follows : XX/XX/2019 {$160.00} taken from my account should have only been {$40.00}, XX/XX/2019 {$230.00} taken from my account should have only been {$20.00}, XX/XX/2019 {$600.00} taken from my account should have only been {$60.00}, XX/XX/2019 {$400.00} was taken from my account should have only been {$20.00}

Company response to consumer: Closed with explanation