BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-30
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXX is reporting to the credit bureaus that i am 30 days late. The account is not late and the reporting needs to be corrected. Per the credit bureau the account is late for XXXX, XXXX, XXXX and XXXX. Per XXXX XXXX XXXX records i have made payments before the 30 day mark. My account is due by the XXXX of each month 1 ) XX/XX/XXXX received {$1200.00} to satisfy XXXX payment 2 ) XX/XX/XXXX received {$1200.00} to satisfy XXXX payment 3 ) XX/XX/XXXX received {$1200.00} to satisfy the XXXX payment 4 )  Not sure how XXXX can be marked as late when the month of XXXX is not over yet My account is due on the XXXX of each month, as you can see we are not 30 days late, we are close to the 30 day mark, but it is not 30 days over. I am requesting that the credit bureaus be updated to reflect payment on time. My mother in law has directly paid the mortgage since XXXX and somewhere a payment was missed. In XXXX, i will be making a double payment to ensure that we are not so close to the 30 day mark.

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 2021-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I already have a complaint open on this, HOWEVER, " XXXX XXXX AVP, Resolution Specialist Regulatory Complaints XXXX Bank of America  XXXX, extension XXXX Case number : XXXX " had reached out to me on " XXXX XXXX, 2021, XXXX AM '', in which I had did what her email instructed " XXXX XXXX, Thank you for contacting the Regulatory Complaints Department of Bank of America. As your Resolution Specialist I welcome the opportunity to address your concerns. 



I am your point of contact until this matter is resolved. Before I complete a review of your concerns, I need to confirm that you are the party who engaged the CFPB by speaking with you directly by telephone. Please contact me by XX/XX/2021 to confirm that information. My days and hours of operation are Monday through Friday from XXXX XXXX XXXX XXXX XXXX XXXX 



Please note that we will be responding to your concerns via a secured email. Please follow instructions in that email to access our response. If you need additional assistance, please contact me at the number below and I or one of my colleagues will return your call within 48 hours.

This communication is for informational purposes only and is not an attempt to collect a debt. However, Bank of America, N.A. is required by law to inform you that this communication is from a debt collector. If you are currently in a bankruptcy proceeding or have previously obtained a discharge of this debt under bankruptcy law, this notice is for informational purposes only and is not an attempt to collect a debt, a demand for payment or an attempt to impose personal liability for a discharged debt. '' I have called MANY TIMES, TOO many times, at this point. I DID call BEFORE the instructed date in XXXX 's email, no answer, so I left a voicemail. 
I ALSO emailed to let her know that I called, and I had a couple of questions in my email. 
NO RESPONSE. No call back from XXXX XXXX, and no email back from her, or anyone else. I have called 5 - 6 times at this point, no returned call, and I emailed after every call, no returned emails. 
it is extremely clear, that I am being neglected and ignored, and this person nor company does NOT care to solve this issue ... ... ... ... 

I have all of the emails I have been sending back to XXXX XXXX, to show that I have been attempting to reach out. And I have started recording my calls to show that I AM calling and leaving voicemails ... ...

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 2018-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I submitted a dispute to XXXX requesting an investigation into an inaccurate information being reported on my credit report. Bankruptcy ( public record : ref # XXXX filed on XX/XX/2008 don't belong in my credit report. 

I've noticed after doing some investigation the court information on this bankruptcy did not match my SSN and the responsibility party ( joint ) as stated in this Bankruptcy does not match my spouse 's name. The only thing matching is the name. 

On XX/XX/XXXX, XXXX  sent me an email stating their investigation did not fix the error on my credit report because TransUnion and XXXX  companies that reported the information to them was certified. No other explanation was given.

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 2021-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A contractor scamed me out of {$500.00} I'd sent the money from my bank account through XXXX. I thought the bank insured us customers 100 % of our money obviously not bank of america is my bank they told me that the contractors bank wasn't able to retrive the money from the fake contractor he didnt have the funds in his account to get my bank said its cut and dry im out of my {$500.00} I've been banking with bank of america for years and a good customer i need help on getting my money back

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 2018-05-01
Company: Experian Information Solutions Inc.
State: GA
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:
Experian is reporting that I filed a bankruptcy on XX/XX/XXXX for {$0.00}. I sent a dispute letter directly to Experian that I had not filed a bankruptcy for {$0.00} and the information they are reporting is wrong. I also sent a letter directly to the bankruptcy clerk to ask if they verify any information with the credit bureaus. The bankruptcy clerk stated they do not verify any information with credit bureaus. After Experian investigated, they stated the information was reporting correctly and would remain on my credit report until XX/XX/XXXX. I would have no need to file a bankruptcy for {$0.00} that makes absolutely no sense. Experian also would not provide the name of the company that they verified my bankruptcy with so I have the opportunity to dispute directly with that company. This is a direct violation of the FCRA and these credit bureaus are allowed to continue these illegal practices and tactics.

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 2020-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
In the process of a home sale - the buyer 's title search discovered separate entries for the original mortgage with Bank of America as well as a 2nd mortgage ( home equity ). All communication with Bank of America throughout the life of the mortgages ( they were bought from Countrywide ) were in reference to a single account owed which  included the original mortgage ( XXXX ) and the home equity ( XXXX ) consolidated into one.

Once discovered the multiple mortgages filed with the country we have tried to get this resolved with Bank of America who have expressed multiple times that there is a singular account to be owed and that there must have been a clerical error in which the consolidation wasn't provided to county and that XXXX  is owed on that 2nd mortgage. We ge
t a claim number and the case keeps getting closed with new payoff letters that just address the singular account.

The math is simple to prove that the account is the combination of both the original and the home equity. 

XXXX original mortgage XXXX 3 years of payments of approx XXXX/month XXXX - home equity XXXX ( XXXX to homeowner plus closing fees ) - new mortgage filed XXXX Clearly the amount owed prior to the home equity was approx XXXX and the new amount brought the mortgage owed to XXXX. 

The inaction of Bank of America to rectify this bookkeeping error has held up a home sale that is needed in these tough economic times. 

We have agreed to close on the mortgage that Bank of America acknowledges and hold the XXXX in escrow to protect the buyer while we settle this but that isXXXX profit that is needed and owed. 

We need help getting Bank of America to issue the proper XXXX balance on that 2nd mortgage and acknowledge the obvious that it was consolidated.

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 2021-05-08
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hi, I would like to complain about paypal again. how is it fair to just take my funds without even notifying me. They withhold my money for months and they just took it without any second thought. My email account is XXXX. is it possible for me to have my funds back. this is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We have an existing mortgage with Ditech. In XX/XX/2017 we got approved for a trial period plan modification. We had to make three consecutive payments in XXXX, XXXX and XX/XX/2017 to be eligible for a permanent modification. We paid the the XX/XX/2017 and XX/XX/2017 payments. When making the XXXX payment we had mailed a check but Ditech had not received the check as of XX/XX/XXXX so a representative from Ditech called us to find out when they would be receiving XXXX 's payment. We informed them that we had mailed a check but since they had not received it yet we would stop payment on the check that we had mailed and make the payment electronically so it would not affect the trial modification. So on XX/XX/2017 we had a stop payment put on the check and made the payment electronically. We figured since the payment was made electronically to Ditech we would okay with the modification and our checking account would not be overdrawn when the check was presented against the account since we had stopped payment on the check. We thought everything was okay and were approved for a permanent modification. We did not realize that Ditech had credited our account for both payments ( the electronic payment and stopped check payment ) so instead of removing the second payment from the account in XX/XX/2017 Ditech waited until XX/XX/2017 to deduct the stopped check payment from our account therefore putting our Mortgage a month payment behind. We do not understand why this was done in XX/XX/2017 and not in XX/XX/2017. We have copies of the stop payment from the bank and and a copy of the check showing Ditech had presented the check to be paid in XX/XX/2017 not XX/XX/2017. If the payment had been deducted at the proper time before the modification paperwork was finalized we would not be behind on the mortgage again. This is the second complaint against Ditech. Back in XX/XX/2017 we had filed a complaint against them because we had applied several times for a modification and they kept stating they did not receive paperwork and such but we had sent the paperwork certified mail and we able to prove that they had indeed received it and shortly after the complaint they had offered us the trial modification. We would appreciate any help in this matter. We have a son with XXXX XXXX XXXX which is taking a huge financial toll on us even with health insurance. It is necessary for him to have XXXX on a daily basis ( his body no longer produces any XXXX ) along with XXXX XXXX XXXX and other XXXX and everything is very costly. We are so upset that we had gotten ourselves back on track just to be put right back in the same situation. Thanks again for everything.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: EQUIFAX, INC.
State: GA
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 disputed the incorrect information. The company received the information from XXXX XXXX indicating that the late payments were reported in error. The company only removed the two thirty day lates. They did not remove the 60 day late although XXXX XXXX indicated that the payments were posted incorrectly. I was not late in XXXX or XXXX so there is no way that there was a 60 day late. I applied to refinance my house after I was told everything had been corrected. I was denied. I want the incorrect information removed, the inquiry removed, and my credit rescored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: WELLS FARGO & COMPANY
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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

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 2021-01-23
Company: Mr. Cooper Group Inc.
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying for several months to have PMI removed from the account. I contacted the company via phone on XX/XX/XXXX. They told me to call back after 30 days, which would allow them time to investigate. I called again on XX/XX/XXXX and was informed that nothing had been done regarding the issue. I contacted the company on XX/XX/XXXX and was told that the problem appears to be that the system is incorrectly showing lender paid PMI. I have not heard anything more. In the meantime, we continue to pay PMI every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
In XX/XX/XXXX and XX/XX/XXXX I was dealing with a lot of personal issues. I advised Capital One beforehand for both months and was advised that I would need to ensure that the payments weren't 60 days late for a grace. I ensured that they weren't 60 days late and this still adversely affected me despite being told it wouldn't. I have sent numerous letters and requests to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: CITIBANK, N.A.
State: KS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is on a store credit card. I pay the monthly statements via EFT through my bank. In XXXX the payment was due on the XXXX. The payment left my bank on XX/XX/XXXX and for whatever reason it did not post to my store account ( even though it was an EFT ) until the XXXX. This of course resulted in me being charged a late fee and interest of {$29.00} on a total bill of {$73.00} for one day late, which I reluctantly PAID. Then to add insult to injury I was charged again on the next statement a {$1.00} minimum interest charge. When I called customer service to inquire as to why, I was told that once your payment is late it is their policy to continue to charge a minimum fee for two additional months after the late payment. I realize it is only {$1.00} but this just can't be right.

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 2021-05-08
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$0.00}, {$0.00}, {$200.00}.

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 ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$0.00} -This is not my account. 

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

-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Ditech Financial LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1 ) I paid off the balance of the loan on XXXX, amount was {$4700.00}. Ditech reflected this payment on a statement they sent me dated XXXX. 

2 ) Even though the loan was paid off on XXXX, Ditech put through two monthly auto-draft payments for XX/XX/XXXX and XX/XX/XXXX, each in amount of {$1200.00}. For a total of {$2500.00}. 

3 ) Ditech sent me letter dated XXXX saying " your loan is paid in full '' and stated they they would send me any leftover escrow funds. I received the escrow fund balance check for {$2600.00} on XXXX. 

4 ) As of XXXX Ditech still owes me the {$260.00} for the two auto-drafts in XX/XX/XXXX and XX/XX/XXXX. During the month of XXXX I called their customer info line ( XXXX call center ), THREE TIMES, and each time was told that they understood the issue and that I would receive a return call to clear it up. It has never happened. 

5. I am considering legal action.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: Early Warning Services, LLC
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I used Zelle and was scammed out of {$1900.00}. Zelle said they could not do anything about it. The purchase I was making was making was for a XXXX. It was a scam and they would not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Coinbase, Inc.
State: SD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
XXXX has locked me out from access to my account. They are the custodian to approximately {$250000.00} of cryptocurrency that I have acquired through their exchange. Four weeks ago they locked my account due to security concerns regarding login from an unrecognized IP address. I have submitted a support ticket and complaint as they refuse to respond to my concerns or even reassure me that my assets are safe. Their standard response email states that they need 4-5 business days to respond but I know from other reported experiences that it is very common for Coinbase to ignore their clients. I have linked federal banking institutions to provide XXXX XXXX to fund my purchases. They are holding my assets and money hostage and their INACTION is criminally negligent amd fraudulent. 
My support claim number is # XXXX I beg and plead for your assistance. 
XXXX XXXX

Company response to consumer: Closed with monetary relief