BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I tried three times calling BoA to close my saving account. However, I have never been connected to a customer representative for over 20 minutes waiting time.

Every time I made a phone call, the system asked me to wait, but finally, the background music stopped and no customer representative spoke to me.

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 2017-07-28
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Victoria Secret Credit Card that I canceled on X/XX/17, I spoke to someone from their company from the number they listed on the Credit Card application and they confirmed with me that everything was paid and my card was canceled. Then a week later on X/XX/17 I get a statement through email saying I owe {$1.00} Fee. Confused I call back on X/XX/17 asking what the fee is for, they say for every purchase there is a {$1.00} fee as stated in the policy. However, I did not make any recent purchases in the past month/two so I asked where it came from, the lady told me that is was a fee that was charged a while back when I purchased something and has not shown up on the statement until now. I stated what their policy says, that I must pay all the remaining balance on the credit card before canceling ... which I did. So there is no reason or me to pay the fee. The lady answer with " Good point that is correct however you would still need to pay the fee because it was already on your balance '' ... I asked to speak to someone else in charge of the account.. she put me on hold and I was disconnected. My next actions were to report it to CFPB, I would hate to see other Victoria Secret Credit Card holder go through the same thing, or if they have would like to see CFPB step in to correct this financial mistake from the company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
The amount is XXXX but there are others which were misapplied.They are taking money and paying down principal where they are not supposed to do it.I have a linked account in the bank there to make auto payments to pay the mortgage. They keep varying the mtg payment amount and either overcharging or undercharging me on a regular basis. We have made many phone calls to BOA and have been unsuccessful in resolving this issue with BOA.

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 2017-07-28
Company: Ditech Financial LLC
State: ID
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:
I have experienced many issues with Ditech who now has my former Green Tree Financial loan. The first issue was a loan I had on a second residence, when the economy turned bad I had asked lender if possibility of rate reduction since I had never missed a payment, I was told only way to reduce anything was for me to miss a few payments before modification could be started.And if I did n't lender would move to repo department for repo process, lender was very aware I had not missed payments prior to me telling them my business was in trouble asking for assistance. In the end I brought a buyer for my home and was told loan would show on credit as paid in full as if I paid it in full. That loan is not reported properly on my credits, and now i find out after a phone conversation on XX/XX/XXXX with Ditech that my current home loan with Ditech Loan # XXXX is reporting past due payments on all credit reports. Ditech told me in XX/XX/XXXX this was fixed and now we find out nothing has been done. I received an email at XXXX XXXX XXXX on XX/XX/XXXXafter my call the previous day stating loan never late, Header on letter says VERIFICATION OF MORGAGE. To date my current home loan has never been late. Due to this issue I am not able to move forward buying my new home. This company is a BULLY and I ask for your help in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: Experian Information Solutions Inc.
State: CA
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 2017-07-28
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/XXXX 2017 I purchased a car from XXXX XXXX in XXXX La. I found out that the dealer listed my income as {$85000.00} to get the loan approved. I only make {$36000.00}. I thought the loan company would not approve a loan out of my payment ability. The loan was approved by Chrysler capital. The dealer claims I had income I did not report to IRS. I am a XXXX XXXX XXXX veteran. I now have to let the car go. This is going against me. They did this on two cars in one day. The dealer new I was a vet drawing XXXX. They do n't even require proof of income, this seems to be standard practice for them. The second car through XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My Student Loan Servicer XXXX XXXX has obtained my loans from XXXX XXXX with a consolidation option I have been with XXXX XXXX for 5 years. My loan amounts exceed what I originally borrowed the amounts continue to increase. I am not in default I have repeatedly asked to have my payments lowered but have struggled to pay. I have been certified for the loan forgiveness program through my employer they only credited me XXXX qualifying payments I need a total of 120. I have been with my employer since XXXX. I have made more qualifying payments than what they are reporting. My current loan balance is {$180000.00}. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
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:
I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, credit bureaus did not provide evidence. CFPB step up and delete XXXX XXXX XXXX ( ORIG CREDITOR : 09 XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), ACCOUNT XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ),

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: EQUIFAX, INC.
State: FL
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 submitted a dispute about two different accounts that are a fraud and I sent in a copy of my FTC REPORT AND POLICE REPORT. Based on the FAIR CREDIT REPORTING ACT SECTION 605.B BLOCKING of information resulting from identity theft 15 usc s 168 c-2 states that not later than 4 days after agency is contacted by consumer and informs them of the identity fraud shall accounts be blocked from the consumers credit report. Equifax credit bureau is in direct violation of the FAIR CREDIT REPORTING ACT, I received a letter from them saying they will not block the accounts but instead they will contact the creditor to verify the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX and XXXX were deleted and then reinserted back 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 2022-01-18
Company: Navient Solutions, LLC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Back in XX/XX/2009 I had legal matter that I took care of back in XXXX and now 12 years later the XXXX  court is saying I have a debt of {$920.00}

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 2022-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America kept denying me a modification while the " no partial payment '' stipulation continued for my account XXXX, XXXX until XXXX, XXXX. I received foreclosure/short sale notifications while consistently submitting requested documentation and appeals. The amount that accumulated during the period that I was denied or kept in limbo of a decision is now a balloon amount on a modified loan approved and satisfied to date beginning XXXX, XXXX. This amount is reported as a part of my mortgage total and it keeps me from qualifying for home improvement loans. I am not allowed to separate the amount or pay on it aside from my principal. Homeowners with the same complaint have been awarded money in lawsuits that I did not qualify to partake in because I did not physically lose my home, although I was constantly threatened of the same outcome. On the last attempt for assistance, Bank of America did not render a decision for 4 months and then sold my account in the same month of the final denial, tXXXX XXXX XXXX XXXX. I was approved for the same modification that I had applied for under the same circumstances with Bank of America, the first time I applied with XXXX. My home needs normal upkeep attention and I am at a loss with the reporting and responsibility of this balloon debt that Bank of America allowed to stack with unfair application processing and decisioning.

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 2019-09-23
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Ok so this is very recent. It was on the XXXX of XX/XX/ 2019, I accidentally put down the wrong dispute case option with my PayPal and that blocked the case and I got scammed XXXX XXXX They wont reopen it because I selected unauthorized instead of fraud and now they think Im lying. But I paid for a XXXX subscription and never got it. And the person i sent money to has never responded so Im stuck..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I have a HELOC on my personal residence with Huntington Bank that I never use. Late last year someone went into one of their branches and made a withdrawal from the HELOC for approximately {$8700.00}. This was brought to my attention the same day by Huntington Bank. 

Shortly thereafter I was mailed an affidavit to complete verifying that it wasn't me who made the withdrawal. My account was closed and a new account opened. I brought the paperwork with me and a personal banker helped me complete the paperwork and left with the banker as instructed. This was done well within the time window requested. 

The day after dropping off the paperwork at their branch the fraudulent balance was transferred to my new account. I was only made aware of this last week when I got a text message asking me to call them. Upon calling the number provided they wanted to know why I hadn't been making interest payments on the balance. 

I tried emailing the email address I was given by the person who made me aware of the late payments, and emailing the fraud department. Responses from both told me to call their customer support line. I've spent a lot of time on hold and being transferred in circles calling their support line, trying to vain to get someone to help me clean this mess up. When I do get through to someone of authority they won't talk to me because I'm not an employee. I've left messages with the branch manager and he isn't returning my calls.

Please help I don't think I should be responsible for fraud. Not sure if the missed interest payments have started to negatively affected my excellent credit score yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: WELLS FARGO & COMPANY
State: PA
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:
IN XXXX 2017 I FILED A DISPUTE WITH THE 3 CREDIT REPORTING AGENCIES REGARDING AN ERROR ON A WELLS FARGO MORTGAGE PAYMENT STATUS. I RECEIVED A NOTIFICATION YESTERDAY FROM XXXX THAT AS A RESULT OF MY DISPUTE THE ENTIRE ACCOUNT HAS BEEN REMOVED FROM MY CREDIT FILE. THE ACCOUNT IS OPEN, IN GOOD STANDING AND HAS A BALANCE OF OVER $ 30K. I DONT KNOW HOW MY DISPUTING A LATE PAYMENT STATUS WOULD RESULT IN THIS ACCOUNT BEING REMOVED FROM MY CREDIT REPORT. EACH TIME I TRY TO DISPUTE THIS ITEM, IT HAS IMPACTED MY CREDIT SCORE NEGATIVELY. THE PREVIOUS DISPUTE DROPPED MY CREDIT SCORE BY 48 POINTS, AS THE ONLY CHANGES AT THAT TIME WERE THAT I PAID ANOTHER ACCT IN FULL AND MY CREDIT LIMIT WAS RAISED BY ANOTHER CREDITOR.

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 2018-01-06
Company: Ocwen Financial Corporation
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have mortgage with Ocwen Loan servicing LLC # XXXX. Ocwen claims that I am behind payment by more than one year. However, I have always sent my mortgage payment. I have asked them several time to send me statement of account mentioning what payments they have received and what payments are missing. They do not send that and demand that I pay the whole amount

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Synovus Bank
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a XXXX XXXX credit card that I very rarely ever use. Back in XXXX I realized it was missing, so I called to have it cancelled. When I called, I was told that there was a balance on the card, so I told them I wanted to report it stolen and asked if they could tell me were it had been used. They proceeded to tell me, that the balance was due to late fees as the annual fee had never been paid. I explained to them that I had never received any bills in the mail, and asked if there was anything they could do to help me resolve this. I was told that my only option was to send them a letter in writing to request a waiver. I wrote to them explaining the situation, and my concerns with this reflecting negatively on my credit file, and made the initial payment of the {$39.00} annual fee in the hopes that the late payments would be waived. I got a response from them denying my request, so I paid off the final balance of the acquired fees. I now have not just one, but two late payments reflecting on my credit report, and was denied a home loan due to this. I would also like to know why the charges varied? 

Also, as I mentioned above, I paid these fees off, and it is still reflecting a balance of {$60.00} on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was looking over my credit report, and I noticed some inquiries that I did not authorize or make I believe I may be a victime of identity theft. 

I did not do these inquiries listed below : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX EXXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion

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 2021-04-12
Company: Absolute Resolutions Corp.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I HAVE NEVER RECEIVED ANY DOCUMENTATION TO VALIDATE THIS DEBT FROM ABSOLUTE RESOLUTIONS COLLECTIONS REGARDING A CREDIT CARD ACCOUNT FROM XXXX XXXX  FOR THE AMOUNT OF {$21000.00}. 

HOWEVER, ON XX/XX/2021, ABSOLUTE RESOLUTIONS REPORTED A DEROGATORY MARK AS COLLECTIONS ON MY CREDIT REPORT WITH ALL THE CREDIT BUREAUS INCLUDING XXXX, XXXX, AND XXXX. 

I WANT ALL REPORTING AND CEASE ALL COLLECTION EFFORTS OF THE DEBT IMMEDIATELY. 

I ALSO REQUEST TO HAVE THIS DEBT DELETED FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: JPMORGAN CHASE & CO.
State: NY
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:
On XX/XX/2020, I ordered merchandise for amount {$400.00}. The delivery of the same was scheduled by XX/XX/2020. I did not receive any merchandise from the said company until XX/XX/2020 nor I received a refund of my money. Hence I filed dispute with my bank ( Chase Bank in New York ) and amount was credited to my account in XX/XX/2020 while the dispute was being investigated. Suddenly I was re-billed by the same bank without any notification to me, for this amount ( XXXX ) by the bank on the ground that the company said they have already shipped the merchandise. Hence I requested for the dispute to re-open. At this point I would like to add that I received some other merchandise by the same company ( almost after a month0 in XXXX which again was not mine. Hence I requested for 'Return Shipping Label ' from the company which they did and I shipped the same with the acknowledgement and receipt. 

Finally Company agreed that no Merchandised was shipped nor I received any product from the same company for which I was re-billed in XX/XX/2020 ( Which is reflected in the bank statement of XX/XX/2020 ). The bank now refuses to credit the chargeback to my account, despite the letter from the company stating that NO ITEM WAS SHIPPED BY THEM NOR I RECEIVED ANY ITEM FROM THE COMPANY FOR THE SAID AMOUNT. 
I request you help in recovering {$400.00}, which has been charged to me fraudulently XXXX XXXX Phone:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Experian Information Solutions Inc.
State: GA
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 was looking over my credit report, and I noticed some inquiries that I did not authorize or make I believe I may be a victime of identity theft. 

I did not do these inquiries listed below : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief