BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I did two balance transfer with Bank of America and the expiry dates as follows. When this balance transfer about to expire. I was about to pay the near expiry one which is {$9600.00}. I did pay after 2 months of expiry. So I incurred interest charges on {$9600.00} balance, to avoid the further interest charge, I paid the {$10000.00} on XX/XX/XXXX, and it got returned because of the insufficient amount in my bank account, which was my bad because I chose the wrong bank account while paying the amount for my credit card ( BOA ). So I again went ahead and I paid {$10000.00} with the right account this time and it got credited successfully with Bank Of America. But BOA didn't apply the payment towards Balance Transfer which expired already on XX/XX/XXXX and they applied my payment on Balance Transfer 0 % which expires on XX/XX/XXXX. 

I was under the impression that I paid my expiring balance transfer of {$9600.00} and I have to only pay the balance of {$3300.00} which will expire on XX/XX/XXXX. 

Recently I noticed that I'm paying only the interest of {$420.00} on my credit card, not the remaining balance. It was a big surprise and shock for me to accept that Bank of America didn't consider my payment towards high-interest charges and they closed my 0 % Balance Transfer amount and now collecting interest charges which they shouldn't do because I paid for my promotional balance transfer fee of 3 % in advance for the balance which I'm carrying now. 

Bank of America is denying to revert all the interest charge of {$420.00} and not honouring Balance Transfer offer which has not expired yet. I explained a lot and complained about the system inability to distinguish about returned payment and they are considering it as a purchase instead of return payment. BOA system thinks that returned payment is a purchase and applying future payments towards lower APR balance instead of applying to higher APR balance. I waited a lot for their reply and there was no solution and finally, they concluded that they can not do anything on this matter. So I left with no option than reaching out to consumer finance to resolve this issue. 

Solution : I want Bank of America to revert all the interest charges ( {$420.00} ) from XXXX since I paid my expiring balance transfer in XX/XX/XXXX. Please find my statements in the attachment. 

Balance Transfers Promotional APR - 0.00 % - XXXX - XXXX - XX/XX/XXXX - {$9600.00} Promotional APR - 0.00 % - XXXX - XXXX - XX/XX/XXXX - {$3300.00} Payment history : XX/XX/XXXX XX/XX/XXXX BA ELECTRONIC PAYMENT XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX BA ELECTRONIC PAYMENT XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX BA ELECTRONIC PAYMENT XXXX XXXX XXXX TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD - {$20000.00}

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 2020-10-29
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft Ive noticed 7 credit accounts opened under my name that i never authorized to be opened.I first noticed these accounts opened when I interested in purchasing a home and the realtor i was working with did a credit check on XX/XX/XXXX. The accounts opened date back to XXXX I dont believe in having debt so i never use credit cards. The actions that ive taken is file an identity theft claim at my local police department in XXXX, New York like my lawyer advised me too. I then went ahead and submitted the police report and affidavit to all 3 credit bureaus ( XXXX, Equifax, XXXX  ). They failed to act on the information provided and did not provide me with their verification methods. Under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The consumer bureaus only added a fraud alert to my credit report no accounts have been removed even though they have not been able to verify this information my life and my families life has been drastically affected by these malicious actions and the failure of the credit bureaus to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I recently learned that my personal information was used to open 2 accounts XXXX XXXX & XXXX opened XX/XX/2018 and XXXX opened XX/XX/2018. I contacted the bureaus to dispute this matter over 45 days ago and I have not received any answer back from bureau or creditors. They are not cooperating or helping me to try and get this resolved immediately. It is not ok for them to report inaccurate information or information that does not belong to me. Please investigate this matter, close and delete these 2 accounts and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Young America Holdings, LLC
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
This complaint deals specifically with false and abusive practices by XXXX XXXX ' rebate process, which is handled by a company called " Young America , LLC. '' My rebate was submitted XXXX XXXX ( see screenshots ). Even though the confirmation says " allow up to 8 weeks from submission to receive your rebate '' it 's been almost 18 weeks at this point. I 've called them half a dozen times ( typically every 2 weeks ) but I 'm told that the representative ca n't do anything to help and that I should 'just wait another 2 weeks. All of this, despite multiple reps stating very clearly that I had submitted everything correctly with all required documentation and one representative even stating that a check will be sent out and I would receive it within 5-7 business days. They have neglected to call me back when promised and have yet to make good on the original terms of the rebate agreements. I feel I 'm at a loss as to what to do about this. It 's unfair, it 's deceptive, and it 's abusive. I 've spent hours on the phone with them for something I should have received months ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-02
Company: Coinbase, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had {$500.00} charged to my Coinbase account on XX/XX/2018 at a time when I wasn't even able to make purchases. I received nothing for the {$500.00} and immediately contacted coinbase. After numerous phone calls, I have only been told that they " have a ticket open for me. '' It has been almost a month and they are holding {$500.00} of mine that I clearly never sent to them, and for which I have received no products, services, etc. 

For as long as I am seeing no real action or attempt to reconcile this on their end I consider this to be fraud as they extracted funds from my connected account without my permission and have largely disregarded my attempts to reconcile the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: WLCC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX  supposedly third party company called Apex which is unlicensed decided to contact my employer about a wage assignment. So far to date, I paid about {$1000.00} and the wage assignment was for {$1100.00}. I tried to contact the number but goes straight to voicemail. Time for XXXX XXXX to payback what they took from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Finkelstein, Kern, Steinberg & Cunningham, PC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX was served with summons dated XX/XX/XXXX to General Sessions Court in XXXX county, TN for lawsuit for past due XXXX credit card balance. The court date was XX/XX/XXXX. I spoke with their office in XX/XX/XXXX before the court date and explained I knew about the debt, my situation/ or the reason I had not made any payments since XXXX that I was unemployed, lived in a rural area with no access to public transportaion and a car that needed an engine replaced. I told them I did not have the money to pay them and would pay when I could. When I asked for a continuance to have time to prepare for court, they would not allow me to obtain a continuance, they told me I would only lose and they only wanted a judgement and that it would last ten years. Since I only had five days to prepare, I was unable to arrange transportation and consequently did not appear in court. They got a judgement for {$1100.00}. the credit card balance was {$600.00} max and late fees that totaled the {$1100.00}. The attorney representing them is Finkelstein, Kern, Steinberg , & Cunnigham, debt collection firm. On XX/XX/XXXX I received a notice from their firm stating they were forwarding a certified copy of the judgement for the case to the register of deeds to place a lien against my primary place of residence. The document does not state the balance of the debt for the lien. I have never had a lien and was concerned about the amount of money they required. Because the letter did not state the total amount to satisfy the debt/judgemnt I proceeded to check the court records to confirm the amount and also contact the law firm about the matter. I told them I wanted to set up payments and spoke with XXXX who proceeded to firmly ask me questions about whether I had a mortgage or not. I asked hiim to explain their policy for setting up payments but he kept trying to ask more questions about my house. I am a senior citizen receiving public assistance. I told him my cell phone is a goverment issued life line phone with 300 minutes a month, because he wanted to call me on my cell phone. He proceeded to try to explain the process to make payments but never really did, and was indignant because I would not answer his questions about my situation. I told him I had been unemployed for ten years and was receiving SSA when I set up the credit card account. I told him I no longer received those benefits and that was why the payments were late. He was rude and hung up the phone before answering my concern about how to set up payments. XXXX XXXX I don't know if anything illegal happened but do question why the law firm did not reflect the balance owed for the lien on the mail piece I received on XX/XX/XXXX It was very intimidating and the phone conversation was intimidating as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Experian Information Solutions Inc.
State: MI
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: Investigation took more than 30 days

Complaint:
To Whom It May Concern : On XX/XX/2020, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For EXPERIAN 1. There are multiple discrepancies and inaccuracies listed under this account. The dates last active are not consistent on my XXXX XXXX  and Experian reports. Additionally, this collection account still lists {$100.00} amount as its balance when it should not be associated with any balances. How are these details inconsistent when this is from one and the same creditor? 
XXXX XXXX  XXXX Account Number : XXXX DELETE THIS INACCURATE ACCOUNT IMMEDIATELY. 

For XXXX  1. There are multiple discrepancies and inaccuracies listed under this account. The dates last active are not consistent on my XXXX  XXXX  and Experian reports. Additionally, this collection account still lists {$100.00} amount as its balance when it should not be associated with any balances. How are these details inconsistent when this is from one and the same creditor? 
XXXX XXXX  XXXX Account Number : XXXX DELETE THIS INACCURATE ACCOUNT IMMEDIATELY.

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 2021-02-23
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Manager XXXX XXXX XXXX XXXX # XXXX has refused to close my inactive account where by they admit it was compromised at some point in time XXXX XXXX ). Speaking to paypal on the phone about my account after they verified me, still refused to close the account after demanding i provide a ID. Which will not happen as I didn't agree to there term of service, dont want there service any longer and closed a second paypal account without ID. If Paypal opens accounts as if they are a bank and violate KTC and AML standards that isn't my problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear consumer Finance, My name is XXXX XXXX XXXX I recently, obtained a copy of my TransUnion Credit Report for 2018. I notice on my credit report that, XXXX / XXXX had stated that, the court house verified my bankruptcy at the court house. So, I wrote to the court house to confirm the information about the " verification '' made by XXXX / XXXX statement on my Trans Union Report., See attached Documents A week later, I received a letter responding back to me saying this -- " Please be advised that the U.S. Bankruptcy Court is not responsible for verifying or validating information from consumers ' credit files ''.

The letter, also went on to say -- " As indicated on the Court 's website, the Court receives many telephone calls about bankruptcies unfairly appearing on consumer credit reports. The Court does not report bankruptcies to the credit bureaus and does not get involved in disputes regarding credit reports. The Fair Credit Reporting Act ( 15 U.S.C. 1681 ) is the law that controls credit reporting. '' I then sent a certified letter to ALL the credit reporting bureaus, XXXX XXXX, XXXX and XXXX a copy of the letter from the court house to show them  the evidence -- that the courts, do not verify information for credit reporting companies. 

I asked the each credit bureau to " remove the information - that is untrue " they are reporting on my social security number. I also so told them -- by law the Federal Law they are in violation of the Fair Credit Reporting Act - Section 623 ( a ) ( 3 ).

I have written to asked them to remove the fraudulently information from ALL my Credit Reports.

Please assist me in correcting the information on ALL my credit reports, XXXX XXXX, XXXX and XXXX. 

Sincerely, XXXX XXXX XXXX XXXX, See Attached documents.

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 2020-05-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
COVID-19 has temporarily laid off my employment opportunity. I immediately contacted Select Portfolio Servicing that handles my mortgage and was told a deferment was set up at my request for 90 days. However, I constantly receive billings indicating I owe late fees and late payment! Where is this so-called COVID-19 help?! I complained to the SPS Ombudsman in writing but no answer. I struggled to enclose payment for XXXX. XXXX 's payment will come very late as I am trying to raise funds to cover it.Today is  XX/XX/2020, and not one word from SPS despite its letter dated XX/XX/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 2017-08-04
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like to be provided validation or contract from this company for the {$4100.00} debt that they are saying I owe them! I do not have a contract with this company also this company does not have an active license to collect debt in FL state. This debt has been placed on my credit report for the past five years and I have disputed it a numerous amount of times and have requested validation of debt from the credit bureaus to support the debt collectors defense and have never received it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX I received a letter in the mail saying I owe XXXX for an apartment Ive never stayed in or rented. They said I live in a apartment in XXXX ga from XXXX XXXX til end of XXXX! When I purchased a home in XXXX XXXX. I went to apartment complex and the lady also Stayed I was not who. She rented to and I submitted my information to them and they refused to remove it off my credit report and I have debt collection calling for this bill!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20
Company: Specialized Loan Servicing Holdings LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan #XXXX was sold to SLS (specialized Loan Servicing) XXXX, XXXX. A dispute regarding funds deposited with XXXX, previous servicer existed and were not related to SLS causing my payment to dramatically increase with little or not adjustments to my hazard insurance or tax base.   The figures causing my payment to go up do not accurately reflect funds that should have transferred from previous servicer to current servicer of my loan.  Discussions with SLS on XXXX and again on XXXX indicate discrepancy.

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 2020-10-29
Company: Shellpoint Partners, LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
on XX/XX/XXXX of XXXX Shell point mortgage servicing deducted {$2000.00} from my escrow account to pay XXXX XXXX XXXX XXXX XXXX '' 3 days later on XX/XX/XXXX XXXX deduction was made in the amount of {$1900.00} also label XXXX XXXX XXXX XXXX XXXX '' on XX/XX/XXXX a refund was issued to the same escrow account in the amount of {$2000.00} and was labeled " tax refund no report '' The first time this mistake happened it went unnoticed, I did not realize it happened but then again on XX/XX/XXXX there was a payment of {$2000.00} labeled XXXX XXXX XXXX XXXX XXXX '' and 2 days later on XX/XX/XXXX a second payment of {$2100.00} again labeled XXXX XXXX XXXX XXXX XXXX '' it was shortly after the second double payment that it came to my attention that it was happening. so as a new home owner unaware of how everything worked I sent an email to shellpoint mortgage servicing asking why there were 2 tax payments coming out of my account. 

on XX/XX/XXXX shell point mortgage servicing send me a certified letter explaining that it has come to their attention that 2 separate tax parcels had been attached to my loan. the 2 tax parcel numbers that they provided are " XXXX '' and " XXXX ''. these tax parcels can be looked up free of charge on the website for XXXXXXXX county Missouri. upon my own investigation of the tax parcels, tax parcel number " XXXX '' is a tax parcel for a property I do not own. the name on this tax parcel according to the county is " XXXX XXXX '' which obviously is not my name nor the name on the property that the mortgage company services. 

so to sum all that up, someone somewhere messed up and because of that mess up I was charged a different individuals personal property taxes. 

shell point mortgage company sent me the letter on XX/XX/XXXX and since then countless phone calls have made to shell point all of which I made, and to this date almost a year later no refund has been issued. I have called and called and waited and been patient and they refuse to issue a refund for their mistake. after I brought the mistake to their attention they removed the second tax parcel from my account and lowered my monthly payment immediately, but they have yet to issue a refund the second tax payment that was charged to me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted Portfolio Recovery Services by phone about about 3 months ago and asked them to please tell me where this debt had come from gave them my new address and they failed to do so. I sent them an email after not hearing from them they failed to respond. I sent certified letter to portfolio recovery with request to validate debt and they failed to do so. I called Portfolio Recovery again and spoke with supervisor finally named XXXX who told me I needed to file a complaint with you guys. This company has failed to send me any proof other than a letter stating they purchased account from XXXX XXXX XXXX. No documentations of signatures recorded voice of me making this debt or anything that confirms the debt belongs to me please advise thank you

Company response to consumer: Closed with explanation