BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have an auto loan with Bank of America. I made my regular payment on XX/XX/2021. I made an extra payment of {$1000.00} on XX/XX/2021. I expected it to be applied to the principal. Instead, my next payment due date was moved out until XX/XX/2021. I called their helpline and was told there should be an option to apply to principal but no such option could be found while on the call. They said my extra payment would be applied to principal but it will take up to 3 business days to do so. It seems unreasonable to have to call them every time I make an extra payment just to have them apply it to the principal.

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 2022-08-05
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Experian XXXX program. XXXX XXXX XXXX is stuck on XXXX. XXXX never moves. Program seems a little shady or better yet disorganized.

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 2017-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX XXXX are trying to collect a debt from 2012 allegedly owed by me. The failed to provide any information of me or the original account other than some payment were made with a credit card. I never had an account by Capital one. 
They are preventing me from getting mortgage and they report false information and I need them to stop call and ask for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Institution : Wells Fargo Borrower : XXXX XXXX XXXX XXXX Account : XXXX Issues : Wells Fargo making it diffiduclt to pay off HELOC, Violation of Loan Agreement limiting our ability to pay off loan. Refusal to Comply with 11 Requets for Estoppel Information. Neglegence, BSA Compliance Fraud and Technical Default of Loan Terms We have filed a complaint with CFPB in the past and Wells responses were based on lies, fraud, deceit and did not answer the questions demanded of them. Complete Loan Payment History took 6 months to provide and we question the loan repayment, interest and untimely payment of Escrowed Taxes & Insurance causing us to receive a cancellation of Insurance for non repayment. This bank is horrible and we have caught them in lies. They refuse to allow us to wire transfer loan payments causing us to go to branches. This is direct violation of Loan Agreement as Wells tries to impose internal policy that is not addressed in the original loan agreement. We finally received a pay off letter dated XX/XX/19 and received on XX/XX/19. Letter details after XX/XX/XXXX cut off the interest is charged differently. How oxymoronic is that? In reality it is another way for Wells to gain more interest on loans. WE DEMAND A COMPLETE AUDIT AND EXAMINATION BY CFPB, HUD, OCC AND FDIC.

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 2021-09-07
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Payments have been repeatedly misapplied to interest only. This has occurred with our current mortgage servicer, Shellpoint Mortgage Servicing, and Shellpoint advised us that this procedure had been ongoing with previous mortgage servicers. We sent a certified letter bringing this issue to Shellpoint 's attention with no response. We've repeatedly contacted them by telephone with no response. They said they would perform a payment audit of which we never received results. This is a thirty year mortgage, beginning balance of {$78000.00}. After twenty years, the mortgage still maintains a balance of {$69000.00},

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: EQUIFAX, 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:
" " '' I have disputed this charge off on this XXXX XXXX XXXX XXXX for months. XXXX have deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: EQUIFAX, INC.
State: MD
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 AM XXXX XXXX AND I'M SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT IS NOT TO VALIDATE THESE ACCOUNTS, BUT TO ENSURE THAT THE ACCOUNTS ARE REMOVED FROM MY CONSUMER REPORT PERMANENTLY DUE TO VIOLATIONS OF MY CONSUMER RIGHTS. I AM A CONSUMER AS IDENTIFIED IN fdcpa 15 USC 1692A ( 3 ) AND I HAVE A RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 ( A ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: SYNCHRONY FINANCIAL
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened an account with Synchrony and made an initial deposit of {$40.00} on XX/XX/2018. 
I later made another deposit for {$900.00} on XX/XX/2018I further logged into account to see it is restricted. The message instructed me to call XXXX called immediately and spoke with customer service. Customer service was not able to tell me why account was restricted. She ( customer service ) said she would put in a request for back office to contact me. No call from back office as of today XX/XX/2018. I called several more times and emailed them a message as to why my account was restricted I withdrew and electronic payment on XX/XX/2018 for {$430.00} ( see documents attached ) an account was restricted that following day. I was told by letter 3- 5 business days. ( see attachment letter ) I was told by phone on Monday by a supervisor, he escalated this and should receive a call on today XX/XX/2018. no call. I called again today at XXXX and spoke with a supervisor at to why my account is being restricted and was told I would know something in 90 days. 

This is unfair in my opinion to hold a consumer money for 90 days. I was told during this time, I could deposit money, but could not take any out on today.

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 2021-04-02
Company: ZIONS BANCORPORATION
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I asked to be removed from a Zions Bank credit card joint account with my ex-wife. I sent a letter on XX/XX/XXXX asking to have my name removed from this account. I was contacted on my phone by a Zions Bank representative on XX/XX/XXXX, from Zions phone at XXXX. The representative said that my name could not be removed at that time because there was still a balance of {$940.00}. He said that when it is paid off in full, I could have my name removed. It was paid off in XX/XX/XXXX, so I asked again through a letter on XX/XX/XXXX to be removed from this account. I heard nothing from Zions Bank and it still is shown as a joint account. My ex-wife is now charging again on this account and it is charged up to {$1500.00}. I should not be held responsible. This account was issued to my ex-wife and I on XXXX, XXXX, XXXX. I no longer live at the same address as my ex-wife. She and I are now divorced since XX/XX/XXXX. I wish to have my name completely removed from this account. I do not want to be held responsible for any charges to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We had Hurricane XXXX damage XX/XX/XXXX and Ditech was our mortgage servicer until XX/XX/XXXX and now its XXXX XXXX XXXX. Ditech held the insurance funds and would reimburse us as we submitted receipts of repairs. However they cut a check XX/XX/XXXX to us and our roofer even though the roofer had been paid in full. I called to let them know this should have been paid only to us and at my expense I overnighted the check to Ditech. They as if today never forwarded those funds to XXXX which by law should have been sent within 30 days of XX/XX/XXXX and today is almost 4 months. Ive called Ditech multiple times and submitted a complaint online and all they tell me is to call the new mortgage servicer XXXX. I have contacted XXXX and they NEVER received the funds to disperse to us and Ditech will not tell me the status of the check that I returned. This is unethical and unlawful way to do business. We can not afford a lawyer as being displaced for over a year while in good faith paying every mortgage payment plus utilities at 2 places and still trying to get our home back together - we need help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
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:
There are two NJ CLASS HESSA loans that just appeared on my credit report the past year., and was not being reported until now.. My credit score has been drastically affected by this reporting. This loan is beyond the 7 year ruling for reporting and has no right being reported as a delinquent account. I was merely a co-signer and this loan goes back to XX/XX/2010. I have requested that these two debts be remove from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
OnXX/XX/XXXX I applied for and was approved for the Bank of America XXXX XXXX XXXX XXXX XXXX. My application qualified for a promotional offer which stated that I would receive XXXX XXXX rewards points if I spent at least {$1000.00} on the card within 3 months from the date the account was opened. 

After spending more than {$1000.00} on the card, I called Bank of America customer service in lateXX/XX/XXXX. I told the representative that I planned to return several items that I had purchased on the card and asked if that would affect my spending requirement to get the XXXX rewards points. The representative confirmed that I had met the {$1000.00} spending requirement, told me that returns would not affect the bonus offer, and said that I should see the points appear within several weeks. However, more than 6 weeks later, the points still did not appear in my XXXX rewards account. 

I called Bank of America on XX/XX/XXXXto inquire why the XXXX points had not appeared in my XXXX rewards account. The Bank of America representative confirmed that I had met the spending requirement, told me that the points should have been credited to my XXXX account, and said that I should contact XXXX. I called XXXX the same day, and the representative told me that they had no record of a transfer from Bank of America, so I needed to resolve the issue with Bank of America. I called Bank of America a second time that same day, and the representative told me that she would put in a request for the points to be credited. 

Several weeks later, I received a letter stating : The bonus offer required that you spend at least {$1000.00} within 90 calendar days from the date the account opened to qualify for this cash rewards bonus. You didnt qualify for the XXXX bonus because the spending requirement wasnt met within the required timeframe. 

This letter contradicted what I had been told by three separate Bank of America representatives. I called Bank of America again inXX/XX/XXXX to inquire why I received that letter. Again, onXX/XX/XXXX, I received a letter with the same language as the first letter, stating that I would not be awarded the XXXX points.

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 2020-05-08
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've disputed with Prestige Financial Services as well as with the credit bureaus directly. This is for a auto repossession in which the car was sold and the amounts being reported to all 3 bureaus are inaccurate, the dates of last activity are all inaccurate, etc. In addition, I am being hit with late fees and late payments are being reported on a monthly basis on a CHARGED-OFF ACCOUNT. How is this possible? According to the FCRA, all information being reported must be ACCURATE AND COMPLETE. Last time I checked, you can't report a late payment on a monthly basis for an account that has been CHARGED-OFF. 

I was sent via mail my contract and sale statement of the vehicle, as a method of debt validation on XX/XX/XXXX. 
I in return I sent a dispute in reference to the amounts and dates being inaccurate and that by law, this must be deleted from my credit file to the credit bureaus on XX/XX/XXXX and again on XX/XX/XXXX with no response as of today. 

Is this legal? This repo is from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a fraud alert on my credit report and Bank of America continues to add debt that is not mine. They credit bureaus investigated and removed the account but it continues to 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 2018-06-17
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On several occasions I have requested original contract or lease with my signature to be mailed to me they are showing a debt for a collection of {$280.00} for something i did not a signed I believethat their employees at XXXX XXXX stole my information.. i want this removed from my credit also the company is reporting a debt for XXXX XXXX which I could not live in because it was inhabital see attachment.

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 2020-01-23
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: Old information reappears or never goes away

Complaint:
Under the rights FCRA, My rights have been violated by the 3 credit bureaus. Equifax, XXXX, XXXX. For the past year now XX/XX/2019. There has been inaccurate information placed on my credit file. Account information inaccurate, Old fraudulent debt reported has new. Between XXXX, XXXX, XXXX. I disputed 3 collection agency with the 3 credit bureaus. XXXX XXXX, XXXX XXXX. ALSO XXXX XXXX XXXX. Two which were medical debt that was not mines. Credit reporting agency allowed these collection agency to report inaccurate information, I send letters in for validation. These agency violated HIPPA. They violated my rights under FCRA. In XX/XX/2019 I sent in Proof of these violations to the 3 reporting Agencies. After a few weeks they deleted this items off of my credit report. I have all Proof and paper work. As of XX/XX/2019 Equifax, XXXX, XXXX, has allowed these same collection agencies to report inaccurate information on my credit file as New! While I'm proceeding litigation. This has caused my credit score to drop significantly. This has cause so many damages under FCRA, it has also caused me and my family distress. I have all of my paper work together along with proof of inaccurate, on all of my credit file. Under FCRA Part ( A ) ( 5 ) ( B ) ( ii ), Also Under FCRA Section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: SYNCHRONY FINANCIAL
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:
On XX/XX/ 2020, a fraudulent hard inquire was made to my XXXX credit record by Synchrony Bank Syncb/Lowes, XXXX, FL XXXX, XXXX. I received an alert by a credit monitory company and called the lender, who cancelled the application. My quick action helped the lender avoid losses, but I am now the only one at a loss because the fraudulent inquire remains in my credit record. Synchrony Bank Syncb/Lowes refuses to issue an inquire deletion letter that XXXX unreasonably demands. 

In short, both the lender and XXXX refuse to remove it despite my several requests by phone and their positive knowledge that the inquire is fraudulent.

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 2021-05-10
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I received an email from BINANCE.US that I had an outstanding balance of {$3000.00} USD and if I didnt make the payment to correct this then my account would be liquidated of my cryptocurrency. 

I contacted them via several emails to inform them that I had documentation that the payments went through including transaction pictures from my bank account and confirmation from their sites indicating that the payments were received. 

I highlighted that payments were made from my bank credit card and wire on the following dates : 1 ) XX/XX/XXXX - {$1000.00} ( {$950.00} deposited ) 2 ) XX/XX/XXXX - {$1000.00} ( {$950.00} deposited ) 3 ) XX/XX/XXXX - {$1000.00} ACH Wire deposited I also attached the bank proof from my account. 

Therefore, $ XXXX $ XXXX $ XXXX {$2900.00} was made into my BINANCE.US account. 

Amount owing from me was {$5.00} USD. And I explained that there was {$5.00} in my account balance that they could take which is what they normally do. They dont wait to withdraw because you deposit into your account first and then you make cryptocurrency purchases. 

They never got back to me at all. Its been over a month now. 

Today, at XXXX PST, they sold my VET cryptocurrency without my consent XXXX XXXX  or XXXX shares. They started the liquidation without my consent. I cant take my money out nor can I transfer this. 

I invested in this company because it was US based and I thought they would uphold US values, sadly newer XXXX companies have shown far more customer honesty and respect than these loose characters. 

I need your help because I dont know what illegal activity they are engaged in with my money and personal information. 

Please help me as I had previously gone to the XXXX XXXX XXXX and the FTC but I havent had any progress with this insane company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I noticed a charge from Experian. I have never signed up for anything from Experian, nor have I authorized them to make any charges to my credit card. The charge was for {$21.00} and listed a number of XXXX. The company name listed for the charge was EXPERIAN XXXX CA. I got two charges five days apart in XX/XX/XXXX. I tried to call the toll free # & no answer for 32 mins, just advertising about Experian. I tired to advise my credit card company they tell me I have to contact the merchant. So no actions is being done by both the merchant Experian/XXXX or my credit card company. I have tried other toll free numbers I found on the web that also shows FRAUD ALERT : Experian Charging Peoples Cards Without Authorization. 
XXXX, XXXX, XXXX, XXXX, XXXX same response, no representative answers, all representatives are currently busy your call will be answered, etc.

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 2020-06-24
Company: Experian Information Solutions Inc.
State: AR
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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX   XXXX  XXXX {$640.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$930.00} XXXX XXXX  XXXX {$15000.00} XXXX/XXXX   XXXX {$970.00} XXXX XXXX XXXX {$4200.00} XXXX/XXXX   XXXX {$780.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}

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