BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
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:
My business experienced an entity change from XXXX XXXX to XXXX. I wanted to stop all charges to my XXXX XXXX card I used only for business expenses, so I could personally migrate those charges to my new XXXX   business credit card. I also wanted to stop all charges that had been going onto my account after repeated attempts to cancel them. Bank of America cancelled my card number and issued me a new card number, to be sent via mail. Before the card was even delivered, before I even knew the card number, and before I ever activated the card, XXXX gave out my card number to merchants who called and requested it without my permission to do so, or knowledge that they even could do so. Unknowingly, charges continued on my card to the current amount of over {$730.00} over the course of a month. Thats right, {$730.00} in transactions were charged to a credit card that is currently stuffed in the back of a filing cabinet in its still unopened envelope, never activated. I have never given out the card number to anyone as it is still in the unopened envelope so how would I. It has never been swipped, as its impossible to swipe a card in an unopened envelope. And in any event, it has never been activated either. All {$730.00} charges were unwanted and unauthorized. If a company contacted me to get a new card on file, and I deem the charge authorized, I would have given them a different credit card number. Furthermore, I was told by Bank of America there was no way to stop XXXX from fraudulently authorizing charges onto my credit card and jeapordizing my identity by handing out my card number to strangers. My goodness, I cant even call my bank to ask for my own credit card number, but theyll give it out to everyone else!

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 2018-03-11
Company: Caliber Home Loans, Inc.
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a letter prepared, including all documentation, to support my complaint which I want to upload to your website. 

The complaint was previously submitted to the CFPB on XX/XX/XXXX and was received by the CFPB on XX/XX/XXXX which is also included in the documentation with a tracking document. 

The company I am filing this complaint against is Caliber Home Loans , Inc . The loan # is XXXX. The complaint concerns additional payments I made to my account for escrow which Caliber Home Loans claims their policy is to not accept additional escrow. However, Caliber did  accept additional escrow in the amount of {$100.00} to my account in XX/XX/XXXX. They refused to accept additional escrow of {$400.00} which I paid in XX/XX/XXXX claiming it is against their policy. There is nothing written in my loan agreement with Caliber that additional escrow is not allowed or accepted. They also would not return the additional escrow I paid until I requested an official escrow analysis although is evident on my XX/XX/XXXX statement that additional escrow was just setting in an account and not being applied to anything. 

My docs and letter are attached but I had to break them up into 4 separate files since your system only accepts 10 MB per file. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: LD Holdings Group, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received a notice that my loan from Loan Depot was being transferred to another division. On the letter it stated my old loan number and my new loan number. the new loan number was the same as the old except for one less digit. I made my payment on time with the new loan number and to the address on the letter. 
On XX/XX/XXXX I received a call that I hadn't paid my mortgage. I checked with my bank and they showed it was received by Loandepot via ACH. When I told Loan Depot this and told them the account number they said I put the wrong account number on there and and they gave me another number. I was transferred back and forth from their XXXX XXXX office which is where the payment went to XXXX. The person at the XXXX  office saw that the problem was that someone at Loandepot had inadvertently put the wrong account number on the letter I received XX/XX/XXXX. She said she would take care of it. 
On XX/XX/XXXX I received an email stating they had called an weren't able to get in contact with me. I take my phone everywhere and there are no unanswered calls. I called the number on the email and they said they were see the payment but couldn't put it on the right account, which just seems XXXX. Loandepot has the payment, see where they made the error, but now they won't correct their error.

Loan Depot is acting in bad faith and not trying to help find my payment and they keep passing the buck around.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The loans being reported are past the statutes of limitations. They are between XX/XX/XXXX and XX/XX/XXXX and should no longer be 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 2018-08-14
Company: Credit Karma, LLC
State: NY
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:
I logged onto credit karma and noticed in my hard inquiry report that there was a mark for national credit card airlines. Unaware of what this could be because I have no credit cards and I do not open any I decided I needed to call them. When I called national credit card airlines they then informed me that credit karma has put this mark in error on many peoples reports and I am another victim of credit karma doing this. They also informed me I have no account with them and that I needed to dispute this with credit karma. After realizing there is no phone number for them to speak to a actual agent I then researched other people who have became a victim to this and they informed me to contact consumer financial protection bureau to get it solved, there is no reason why there should be a hard inquiry involving national credit card airlines on  my account or on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: SYNCHRONY FINANCIAL
State: FL
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:
HELLO, MY NAME IS XXXX XXXX. I AM A XXXX YEAR OLD SINGLE MOTHER OF XXXX. DURING THE YEARS OF XX/XX/2016 ; I AM/WAS XXXX WITH MY XXXX KIDS AFTER THEIR FATHER WALKED OUT. DURING THESE TIMES I HAVE BEEN IN AND OUT OF XXXX XXXX. BACK INXX/XX/2016 ; MY PURSE, SOCIAL SECURITY CARDS, AND OTHER PERSONAL INFORMATION WAS STOLEN. THE WOMAN THAT I SUSPECT IS XXXX XXXX ; BUT, THAT IS ALL THE INFORMATION THAT I HAVE ON HER. I HAVE TRIED MANY TIMES TO GET THESE INQUIRES REMOVED AS I DID NOT AUTHORIZED THEM, AND I AM NOT SEEKING CREDIT. I HAVE CONTACTED XXXX  AND THIS COMPANY PERSONALLY, AND THE COMPANY STATES THEY CAN NOT FIND ME IN THEIR SYSTEM, I SENT OVER SCREEN SHOTS ON THE INQUIRY AND THEY REFUSE TO DELETE STATING I DON'T HAVE AN ACCOUNT WITH THEM. I CONTACTED XXXX  AND THEY SAY I NEED PROVE THAT THE ACCOUNT IS NOT MINE AND A STATEMENT FROM THIS COMPANY ; WHICH IS NOT POSSIBLE DUE TO THE COMPANY HAVING NO RECORD OF ME. I EXPLAINED THIS ISSUE TO XXXX  AND XXXX  AND THEY BOTH DELETED THE INQUIRY, BUT XXXX IS REFUSING. MAY YOU PLEASE HAVE THEM DELETE THIS INQUIRY AS IT IS NOT AUTHORIZED BY ME. I AM XXXX AT THIS MOMENT, AND A NOT SEARCHING FOR ANY NEW CREDIT OR LOANS. I HAVE NO KNOWLEDGE OF WHAT OR WHO " XXXX '' IS YHANK 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 explanation
Consumer complaint received 2018-03-11
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mom 's home is trying to be foreclosed on. And Ocwen Loan Serving is ignoring me. I have the direct number to the Acct Mgr and XXXX XXXX in the Office of the Consumer Ombudsman and Still ignoring. I have called multiple days and left many messages. My mom died XX/XX/2018 and the home was in probate from my dad 's death. My mom 's death was very unexpected and I want to pay off the home and Ocwen will Not work with me. They won't even return any calls. I have received email messages only and that was right at the time my mom was sick and trying to get property in her name from my dad 's estate. Ocwen only lies and says they didn't receive my dad 's death certificate. While I was trying to help mom ( I myself, sent it certified And faxed it ), so I know for a fact they received the paper work but just do not Wish to help consumers. Ocwen 's main goal is to take homes. I will be talking to a lawyer now but I want to go on record with this issue so that when this goes before a judge, it is documented that I have made multiple attempts over many months and to show that they were not willing to work with my mom as well. We are willing to pay it off but Ocwen is only trying to make it go up. I've received a pay off of XXXX if they keep waiting, the pay off goes up. This is ridiculous!!! With so many people complaining about this crooked company ... why the XXXX does the government allow them to keep robbing people?? I will be posting this to every place I know of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: EQUIFAX, INC.
State: AR
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 have sent several letters via USPS Certified Mail requesting  that the credit reporting agency remove an unverified account from my credit report ( XXXX XXXX XXXX ). I have not received a response to any of my letters. I have sent a total of 4 letters to them over the last few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: Credit Plus Inc
State: CO
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:
this company ran three hard credit checks without my authorization : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX This is illegal and and was not authorized by me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
When I went to open a checkings account I was denied at TD Bank. I then discovered about an account where at the time the account was reported open I was a minor and I should not be responsible for the balance. These such items have been included with my report due to overdrafts. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-30
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account with TIAA Bank on XX/XX/18 with promotion that stated : " {$150.00} bonus : Offer details Open and fund your first Yield Pledge Checking account with the required minimum opening deposit by XX/XX/2018 Then make direct deposits totaling at least {$1000.00} within 90 days after account opening Mention offer code XXXX when opening the account Your cash bonus will be deposited into your account within 120 days of account opening, as long as your account has remained open and in good standing ''. 
I completed direct deposits, but never received the bonus. 
Now the bank is saying that {$5000.00} opening deposit was required to get the bonus, although it was never mentioned in the offer details. They say that " required minimum opening deposit '' actually meant {$5000.00}, however it's not clear how I was supposed to know that. When I opened it online it was also never mentioned about {$5000.00} requirement during the opening process. 
I believe this is a scam that bank used to attract customers and to avoid paying bonuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/XXXX I attempted to buy tickets from somebody through the XXXXXXXX XXXX XXXX service that Chase Bank offers. I split the purchase into two separate payments so that I would receive my purchased tickets before paying the full amount. After receiving what looked to be legitimate tickets, I sent the remaining amount. After trying to contact the sender regarding an incorrect date placed on the tickets after further review, I received no response and had my number subsequently blocked from calling him. I immediately tried to contact XXXX to cancel the payment. They told me that I needed to call Chase as they can not help me. I then called Chase Bank and was told that I would need to start a claim. I started the claim on XX/XX/XXXX and was told that I would receive a response in 3-5 days. After receiving a letter in the mail on XX/XX/XXXX claiming that Chase identified the transaction as valid and could not refund me any money, I attempted to investigate further and call their claim department. I was told that there was nothing they could do since the transaction was initiated by me. They said I could try to contact XXXX for further assistance, which I subsequently did. XXXX once again told me there is nothing they can do and that I have to settle this with Chase. After calling the Chase Bank claims department, I asked to speak to someone about my claim who could give me further information about the investigation conducted. I was told that their investigation process involves trying to contact the receiving bank which they were not able to do successfully and thus can not refund me any money, even though this was a criminal act. I will be filing a police report since Chase Bank is unable to assist their customer with his scammed money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Social Finance, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2020, I sent a bill payment via SOFI Money 's bill  payment service through the app on my XXXX in the amount of {$66.00}. I have used the service repeatedly to send checks to my water billing company ( XXXX ). I received an invoice from XXXX on XX/XX/XXXX showing that the payment for {$66.00} had not been applied to my account. I attempted to review the details of the transaction in my account, but I was unable to view a canceled check or otherwise verify that the check sent on my behalf was deposited. I reached out to SOFI on the same date - via the email that was associated with the transaction : XXXX. After numerous emails back and forth with support on XX/XX/XXXX, I was unable to get any information about whether the check had been cashed, even though the money had been deducted from my account on XX/XX/XXXX. I followed up on XX/XX/XXXX and XX/XX/XXXX and still was unable to receive a response about whether the check was cashed. Since there is no phone number available for customer service, I chatted with support on XX/XX/XXXX. I again inquired as to whether the check for {$66.00} was cashed. The support person told me he could not find out and the issue would have to be " researched. '' I explained that I had already been told it was being researched as of 6 days prior, and I still hadn't received a response. I asked to escalate the issue and file a complaint, and was told that a complaint had already been filed even though I did not file a complaint previously. I then asked to speak to a supervisor and requested a call back, but I have yet to receive any call back. So SOFI has taken the money from my account and held it for 2 months but after a week is unable to provide me with any information showing whether the check has been cashed, meanwhile I am being charged late fees for the payment being late because I am unable to produce any record showing that it was received by XXXX. SOFI offers this banking service but is unable to provide the basic details associated with the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
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:
We noticed that there was a charge of {$520.00} on our Bank of America credit card that we knew wasn't ours. We found out that it was from a company called XXXX XXXX XXXXXXXX that we never heard of. We later learned it is part of XXXX XXXX XXXX   XXXX. We also had a notice to pick up a package from the post office and learned it was from XXXX XXXX XXXXXXXX. 
We contacted Bank of America and also disputed the charge on our online account. The merchandise was purchased on XX/XX/2018. We spoke with someone in the fraud department and explained that we never ordered this and someone obviously stole our credit card number and info and used it at this place. She said they would check into it and credit our account and to reject the package. 

We went to the post office on XX/XX/2018 after having to wait over the weekend, and told the clerk we reject it and to send it back because we did not order it. The bank credited our account XX/XX/XXXX but reopened the case. We got a letter on XX/XX/XXXX stating we were responsible for the charge because our address was included and verified with the purchase! That's a lame excuse since any crook can find your address and info on the internet! So the charge is still on our account for something a crook bought and Bank of America wants us to pay for it! 

So we also called XXXX XXXX XXXX which as I said is also known as XXXX XXXX XXXX XXXX We spoke with " XXXX '' and after explaining this he said he would call us back after talking with his supervisor. He checked for the returned package and confirmed it was received by his company. This was XX/XX/2018. He called us back that evening but we weren't home so he left us a message on the voicemail that his supervisor said they would issue a refund by the end of the day. That didn't happen! We called them this morning, Tuesday, XX/XX/XXXX and spoke with " XXXX '' at XXXX XXXX XXXX/XXXX XXXX XXXX XXXX. She said customer service would have to issue the refund and we had to talk to them. When she came on the phone, she said the refund would take 14 days from the previous Friday! Meanwhile we called Bank of America and they said they would reopen the case and it would take up to 60 days!!!

We are being jerked around by Bank of America and XXXX XXXX XXXX/XXXX XXXX XXXX XXXX. We are the victims and they are protecting the crooks!

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 2018-06-21
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
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 went to XXXX XXXX Dealer in XXXX, MA XXXX as a Co-Signer/Applicant and filled/signed only one credit application form from XXXX XXXX XXXX XXXX allowing they to check my credit report/score and see if I can help a family/friends to start their own credit leasing a new XXXX XXXXXXXX XXXX. But today I was checking my credit report and realized they did many Hard Inquires! Details : XXXX : 1 time using the dealer 's name on XX/XX/XXXX and 1 time again on XX/XX/XXXX using the dealer 's name and then 1 time using the TMCC " Toyota Motor Credit Corporation '' on XX/XX/XXXX. plus XXXX  : They checked 2 times using a different dealer name called " XXXX XXXX XXXX '' .on XX/XX/XXXX and then again on XX/XX/XXXX. I don't know yet about the XXXX  if they checked there too. So, Is this right? Can they keep checking my credit as many time they want? I don't think so. Could you help me please? Thank you, XXXX

Company response to consumer: Closed with explanation