BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2005 I was sold 2 fraudulent mortgages by a Bank of America Mortgage Broker XXXX XXXX XXXX. The primary loan was in the amount of {>= $1,000,000}. The HELOC was in the amount of {$250000.00}. I was told by XXXX XXXX that my loan was considered at that time a jumbo loan and that the type of loan he was providing me was the only type of loan offered. At that time, I had no reason not to believe XXXX because he had sold me a conventional loan of $ XXXX for a property I was selling. XXXX told me that my payment would be {$5000.00} a month, the exact amount of my net pay and that I would have to live off of my husbands income. I agreed feeling I had no choice. In addition, the appraiser that for the property I was purchasing was sent to me by XXXX XXXX XXXX citing this was his friend and he was doing many appraisals for him. This appraiser was subsequently prosecuted and incarcerated in Connecticut for Fraud for over inflating the values of homes. Subsequently, about a month after I closed, I received my first mortgage bill. However, the bill did not read {$5000.00}. The bill gave me a choice of payments amounts, either {$20000.00} a month, {$15000.00} a month, {$10000.00} a month or {$5000.00} a month. I immediately called XXXX and he said Dont worry XXXX, as we discussed, you are to pay the {$5000.00} a month. What ensued was the face amount of my note increasing each month until it ballooned up to nearly {>= $1,000,000}. When President Obama came into office, he deemed these notes to be FRAUDULENT and ordered the Bank of America to rewrite my loan. The Bank of America, rewrote the loan to nearly double the payment amount to over {$9000.00} a month. My home is now in Foreclosure because of what XXXX XXXX XXXX and the Bank of America did to me. I am a mother to XXXX young children and will be without my home. Bank of America according to the State of CT. Department of Banking , sponsored XXXX XXXX XXXX NMLS License to be a Mortgage Broker. XXXX XXXX to this day continues to work under this license.

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 2018-05-30
Company: Harley Davidson Financial Services Inc
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
XXXX XXXX has agreed to buy back! I demand you remove this account from all 3 bureaus while I take bike to dealer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Kriya Capital, LLC
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX accounts below violated my rights to laws 15 U.S.C. 1681 SECTION 602A - Which states that I have the right to privacy. 15 U.S.C. 1681 SECTION 604A- Consumer report agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15
Company: MIDFIRST BANK
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I signed up the XXXX checking account under following terms : XXXX is offering a bonus of {$250.00} when you open a new checking account and complete the following requirements : Make two direct deposits of at least {$1000.00} each into your Spend Balance within 90 days of account opening. 
I completed the required activities and I confirmed with XXXX customer service representative that I would get the sign up bonus. However, XXXX changed their terms without advanced notification by adding additional term to disqualify my bonus : Maintain a beginning of the day minimum Relationship Balance** of {$1000.00} USD for fourteen ( 14 ) calendar days following your second eligible direct deposit. 
I contacted them and was told I should be getting the bonus based off the terms that I signed up for. However, as of today, XXXX refused to pay the bonus.

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 2019-02-04
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Monday, XX/XX/2019 at XXXX, I made a {$640.00} cash deposit in the Key Bank ATM machine at the local XXXX branch and the machine malfunctioned. My card was not returned nor was the {$640.00} cash I tried to deposit. All I received was a receipt stating " Cash Rollback Receipt : WE ARE UNABLE TO PROCESS SOME OF THESE ITEMS. THESE MAY NOT HAVE BEEN ABLE TO BE RETURNED '' and to contact the branch for assistance. I was not able to go inside the KeyBank branch as it was a holiday and they were closed so I went into the branch Tuesday, XX/XX/2019 to talk to a branch manager. I was told by the manager to give it 2-6 days for them to investigate and we should receive the money back into my account. And to be patient because we were not the only customers the ATM has done this to and that it has occurred multiple times. After the sixth day, I reached out the manager again, I am told that the matter will be escalated and it actually will take 6-10 business days. I still have not receive my {$640.00} and I am not told that it is out of the managers control and that corporate is handling it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Thursday XX/XX/XXXX I was charged an atm fee of {$20.00}, Monday XX/XX/XXXX I was charged an atm fee of {$35.00} and again on Monday XX/XX/XXXX an atm fee of XXXX. I called Citi bank to see if they would reverse the charges on Saturday XXXX XXXX the first customer service guy told me told me he had reversed all 3 fees. After waiting about 15 I looked at my account again he only reversed 1 charge. I called back to see what had happened. The second clerk said they only could reverse 1 of the fees. That not what I was told by the first guy. Even before I opened this account I contacted this bank and told them what I was going to do because I was looking for a international bank because I was traveling to XXXX XXXX at no point of the conversation did they explain all these fees to me. It fact they told me I would not have all these fees because Citi bank had operation in this country. I was lied to multiple times by this bank and it is time for this to stop.

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 2017-06-22
Company: U.S. BANCORP
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:
My wife and I found a new home we decided to buy it so when the lender ran our credit everything looked good but one account on mine it was from U.S Bank it said never paid a bill 90 days late cancelled account. I told the lender I do n't know anything about this account so they game me contact numbers to call to find out more about this account. Finally after four different numbers being transferred to and waiting at least 10-15 minutes each time to talk to someone I found that U.S Bank is a credit card company and someone took my information when on the internet applied for a credit and was approved for {$5000.00} so this person that stole my information purchased {$4200.00} of merchandise and never paid on it. So I talked to the lender and they said this shows up bad on credit score and this is going to drive your interest rate up maybe not even be able to get the house I had a XXXX credit score before my information was stolen now it 's a XXXX. I.S Bank told me it will take 90 days to take care of this and when they are ready to clear this from my records they will send a letter in the mail saying it 's taken care of. My wife and I ca n't wait 90 days we can miss out on this new home we are trying to buy I spoke to atleast 3 different people from U.S Bank on the phone all them say the same thing 90 days this is just not fare or right how can someone go on the internet apply for a credit card and get approved? My wife and I are frustrated we do not know what to do?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: PA
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 HAVE DISPUTED THIS ACCOUNT NUMBEROUS TIMES WITH THE CREDIT BUREAUS THIS IS NOT MY ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX, Department of EducationXXXX XXXX XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-11-23
Company: HCFS Healthcare Financial Services of TeamHealth
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 sent a certified procedural verification letter tracking # XXXX delivered and signed by XXXX XXXX XXXX XXXX   from USPS on XX/XX/19 and has been 30 days since they received the letter. I requested documentation of proof of the accounts referenced in the letter to be validated and that the collection agencies, XXXX, any third party or court provide me documents of the alleged collections or public record accounts. And, that E-oscar is unacceptable for verification. However, I have not received any response at all from XXXX   and I have not received any information from anyone to verify these accounts. I have exhausted my pro-bono abilities and obviously can not resolve these matters without legal representation. I have disputed and requested actual verification several times and I am demanding immediate removal of these disputed items. Or, I will be acquiring an attorney to represent me in these violations of the FCRA.

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 2016-07-27
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I never bought anything. I never opened an account with that bank. This people been calling me .and tell me a few years ago from where this debt is. But I never make those purchases in those places theytold me. This debt is been bother me in my record. My credit score is not good because of this debt. I want to resolve this and move from my record. Please help me. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: NAVY FEDERAL CREDIT UNION
State: VA
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 took out a few cash advances about 5 years ago and paid them right back with in days. I used the cash advance to assist my sister in her new business, to meet payroll. She gave me the money right back and I put it back to the credit card and told them it was a cash advance payback. How are they still able to charge me interest on those advances, to the tune of {$67.00} a month for the past five or m ore years?      XXXX   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 2022-06-15
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 
The Credit Bureaus stated that they did a proper investigation on the accounts listed below. How is it possible when the open dates are inaccurate, the dates lasted reported are inaccurate, and account status are not accurate, etc. 

I requested that the credit bureaus " investigate every piece of information '' on the accounts listed below. According, to the FCRA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my accounts were verified but how is that possible if they did not do a proper investigation according to law.

15 U.S.C. 1681 section 602 A : states I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # 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
Consumer complaint received 2017-06-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Just now finding out about this bill, My wife who is XXXX XXXX and always had XXXX problems since youth, evidently got a credit card in my and her name and made charges, during a XXXX XXXX. Since then she has hid the bills and kept the phone, with the ringer cut off, never wanting me to use it ... constantly deleting messages. She stayed so upset, she tried not to let me know because part of her problem was she suffered from XXXX XXXX, because she constantly worried me and had hurt me before during her episodes. Her XXXX XXXX in the mornings were often over XXXX XXXX, and she clutched the phone deleting numbers and messages. Last Tuesday evening She literally left went to the nearest city and got on a bus to XXXX Arizona ... I have not heard from her in 7 days and feel she is in possible danger. She is one of the sweetest people I have ever known, even with all her problems. She was a person who could not tell the truth because she felt so excessively. I did not question her because it has in the past trigger episodes, she has been under Doctors care for year, including XXXX care. This evening I get home and see the phone completely fill with their calls and messages ... .and I see why she left, her state was so bad her life had become endangered. If she had n't left she would have died from XXXX. I am ashamed to think there are humans on this planet so hungry over a dollar. This bill was unknown by by me and now it will be paid, I have never really needed credit and have never charged anything on a card that could'nt be paid off in full by the end of the month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: Atlanticus Services Corporation
State: GA
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:
Fraudulent credit card purchases were made using my Aspire credit card account. On XX/XX/2023 a charge of {$1000.00} at XXXX XXXX XXXX XXXX was made and on XX/XX/2023 a charge of XXXX at XXXX XXXX XXXX was made that I DID NOT DO. Then there were multiple denied charges because there wasnt enough available credit after the robber used up most of the money. I filed a fraudulent charge affidavit but I was still denied because the merchant claims I didnt report the card stolen in time and I logged in around the same time the purchases were made but this is NOT TRUE. I reported the card stolen soon as I found out about the charges the very next day when I got an email describing authorized charges. If the merchant had thoroughly checked the IP address of the log in & the device that was used they will clearly see that it wasnt the same one I have always used when the account was first opened. I did not log in until I received the email about the charges on XX/XX/2023 at XXXX, anybody else around that time frame was not me and came from a different device & IP. The fraudulent charges were made in New York but yet I live in Georgia. I dont know what type of data breach has happened on the merchants end but I just want this to be resolved because I deserve some justice and there needs to be an investigation on who really stole my information. Please refund the money back to the account, I am a victim of FRAUD here & did not share my information with anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$31000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2017-06-22
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I contacted Wells Fargo to learn how to close my account in XXXX of 2017 as we had recently moved to Ohio and there are no Wells Fargo branches nearby. I was told at that time that all I had to do was transfer the full balance in my account out of the account and the account would be closed. I did so on XXXX/2017, first moving all monies from my savings account into my checking account and then transferring electronically all funds in my checking account to a different bank account. On XXXX/2017 I logged back on to the wellsfargo.com website to retrieve my final bank account and was shocked to see an account balance of {$0.00}. The {$0.00} was the result of an interest payment made on XXXX/2017, long after I had thought the account closed. The minimum transfer amount is {$10.00}. I contacted Wells Fargo and was told that if I did not withdraw the balance ( {$0.00} ) I would be charged a monthly service fee. I find this situation outrageous insofar as I complied with the process outlined by Wells Fargo to shut down my account, yet the account remains open and I may be subject to monthly service fees as a result. Had I not logged on I might never have even been aware of the issue until after fees had accrued.

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