BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX my wallet was stolen from my apartment in XXXX XXXX, NY. Within 2 hours {$2400.00} was stolen from my account and I contacted Bank of America to alert them and request a freeze on my account. 

A police report was provided to Bank of America within 48 hours of the theft. 

The fraudulent transactions were made through XXXX XXXX  with my debit card number that the suspect stored on their phone ( digital wallet ). Bank of America incorrectly issued me a new debit card, did not freeze the account, and thereby automatically updated the debit card number in the suspect 's digital wallet. 

Because of this mistake by Bank of America, the suspect regained access to my account on XX/XX/XXXX and XX/XX/XXXX and stole another {$1200.00}. The total loss suffered became {$3600.00}. Upon discovering these new breaches I demanded a full stop on all transactions in and out of the account for a second time. Bank of America chose to remedy the situation with an {$880000.00} hold. 

An updated police report, stating the new total loss suffered, was provided to Bank of America. 

Today is XX/XX/XXXX and I have only received credits for {$1200.00}, and the account remains frozen. Bank of America has not paid the remaining claims ( {$2400.00} ) because of supposed " bank operator error '' on multiple occasions and I can not get them to properly remedy this situation. 

The final 2 claims of {$1200.00} each were most recently " closed as duplicates '' even though bank representatives told me these were opened as a result of the bank 's mistakes on previous claims. The bank started a debt collection process on the remaining {$2400.00}, and is not upholding their fraud protection guarantee.

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 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2018-12-23
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Hello so I'm not sure if I filled out the correct boxes but were do I begin. I started XXXX College of XX/XX/2011 and left at spring  break. The recruiter was trying hard for me to stay and was telling me financial stuff I didn't understand but I was already starting to hear bad rumors about the school so I quickly found another and jumped into XXXX College. During my enrollment they pulled up a screen and said sign here and here etc. This is for yur Grant 's for the year. As time passed I've noticed that when I'd asked questions about my student loans I'd get the run around. And one time I asked if I can have some of the money from my loan since I'm falling under hardship. They agreed and signed over a check in my name. A week or two passed and I was called to the office saying they messed up on calculations and I owe them money. I said how is that my fault? You guys do the paperwork I have no clue what you did. And so I was penalized by the school. Long story short after all this boost of saying we guarantee a job replacement when you graduate and doing mock interviews as one of our credited classes because they wanted us to be prepared for the real job interview. Before we graduated they told us when we had to pay back the student loans I think it was 3-6 mths later but not to worry because we will all have jobs in our degrees. Well after I found my own job as a on call XXXX  XXXX at the hospitals is when I found out that the schools that I attended took out * 24 DIFFERENT STUDENT LOANS * in my name from different places. I had NO CLUE TILL I GOT THE LETTER IN THE MAIL. I owe {$30000.00}. I got them to consolidate 24 loans into 14. That was the best they can do since there was so many. They don't even know how it reached to that many. After hearing about what was going on with XXXX, XXXX was under fire as well. So instead of closing there doors all they did was rename their school to XXXX College which now is closing there doors as well. I've tried fighting and reasoning with XXXX XXXX about my case but they tell me because I make good money I should pay it back. It took me 2 yrs applying to a hospital here in California were my job title is XXXX XXXX. My role is to XXXX XXXX XXXX XXXX XXXX XXXX but my main role is to XXXX XXXX XXXX. My degree in college was XXXX XXXX. I'm the main income in my house. I take care of my mom, little sister, my XXXX yr old son and husband. My mom is on XXXX and only gets {$500.00} mth. The XXXX XXXX wants me to pay {$310.00} mth in which I can't afford because I'm only guaranteed 24hrs at my job and try to pick up 2 extra days. So tell me is it my fault on the colleges mistakes on 24 different student loans and because of that as well my credit score is not so good either but I'm doing my best to keep in good standings.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/18, on my XXXX report a company called " XXXX XXXX XXXX '' placed a collections account that does not belong to me for {$660.00}. 

I tried calling them but there has been no response by phone. Instead of sending them a letter to dispute I'd like to complain about this company because I don't owe any business {$660.00}. 

Also, there is no account number listed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Experian Information Solutions Inc.
State: IN
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:
The student loan supplier is submitting different and inconsistent information to all credit bureaus. I have disputed these items to the credit bureaus and the student loan supplier verifies the information as correct. It is obvious that the all the different information being reported to each bureau can not be correct. They should be reporting the same information to all the credit bureaus. l have brought this matter to their attention and yet I have not been able to get this problem resolved.

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 2018-12-23
Company: Eastern Account Systems of Connecticut, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Contacted Eastern Account System on multiple occasions, XX/XX/2018, XX/XX/2018 to understand where this debt was coming from. Insurance covered all costs and I copaid at hospital. I would like this debt immediately removed from my credit report because they can not find any paperwork to support my owning the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
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: Account status incorrect

Complaint:
On XX/XX/XXXX, my wife called our existing mortgage servicer, XXXX XXXX point and explained that our tenants had lost their jobs due to Covid 19 and that we couldn't make the mortgage payment due on XX/XX/2020. She requested Forbearance and was told it would take 48 hours and that we would not be marked as being late during forbearance. 
We did not make the XX/XX/XXXX payment. Then the mortgage company called us and demanded the XXXX payment. We were confused because the loan was supposed to be in forbearance. With great hardship, we did make the payment on XXXX and we paid for both XXXX & XXXX. On XX/XX/XXXX, we made a payment which was slightly short, again the lender demanded that we give them more money which we did on XX/XX/XXXX. We had NEVER been late before or since. We were told that our loan was in forbearance and no payment was needed. XXXX XXXX XXXX point has a recording of the actual phone call and also has a log of the XX/XX/XXXX call. We are trying to refinance to get a lower rate. The lender denied us because of the two mortgage lates that XXXX XXXX is incorrectly reporting. On XX/XX/XXXX, we called the loss mitigation dep & XXXX, said that it was a XXXX XXXX error and that we should dispute it which we did once on XX/XX/XXXX and again on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted Midland Funding within 5 days of receiving a call from them stating I owed a debt to them. The letter was sent certified. In the letter I requested debt validation and proof that I owe them a debt. They have failed to provide the information I requested and continue to report negative info on my credit report. The amount they are trying to collect - allegedly from the original creditor is incorrect. I returned items to the original creditor and they did not update the amount of the debt owed. 
Midland Funding has no contract with me- not verbally or in writing. 

This is my second time complaining to this agency about Midland Funding! My next remedy is to seek the assistance of a lawyer!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Portfolio Recovery Associates is attempting to collect a debt that was already charged off in a dismissed bankruptcy. 

They are listing themselves as the original creditor, but I have never had dealings with this vendors. 

This is negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We originally purchased our residence on XX/XX/XXXX. Shellpoint Mortgage Servicing became the servicer of our mortgage which included an impound account for property taxes and insurance. On XX/XX/XXXX, we refinanced our loan through XXXX XXXX  XXXX which also included an impound account. {$6900.00} for 8 months estimated property taxes was withheld at closing. Subsequently Shellpoint repurchased our loan and we made our first payment on the new loan to Shellpoint effective XX/XX/XXXX. On XX/XX/XXXX, we received a notice from XXXX County that we were in default on property taxes which were due no later than XX/XX/XXXX, and that penalties had been imposed. That day I called and spoke with a Shellpoint customer service rep who advised me to scan the notice to Shellpoint and that the arrears property taxes and penalties would be paid by Shellpoint. I did scan the document on XX/XX/XXXX and received an autoresponse. I again emailed Shellpoint on XX/XX/XXXX and received an autoresponse. However, the XXXX County records are still showing the past due taxes and penalties remain unpaid. Further, my impound account only reflects deposits made from monthly payments and not the amount withheld from escrow.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: JPMORGAN CHASE & CO.
State: MI
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 was flying back home from XXXX XXXX and due to traffic I arrived to the airport only 45 minutes prior to the flight departure. My reservation was made with XXXX but the first flight out of XXXX XXXX was on XXXX XXXX XXXX that is a partner of XXXX. XXXX XXXX XXXX refused to accommodate us on the flight or to give us any other option and directed us to call collect XXXX. 

XXXX gave us some flight options that all cost more than the ticket itself slamming XXXX XXXX XXXX for the cost. One lower cost option was to fly the same night and the representative quoted us a total of {$660.00} for our reservation of two. I even confirmed that total amount before giving my VISA card number to be charged. 

A few days after returning to the US I saw two charges of {$660.00} each instead of one. I called XXXX and they were very defensive stating the representative meant {$660.00} per ticket and that is right. I challenged them about the charges but they totally refused to drop one charged and provided some electronic vouchers instead. 

So I turn to my VISA card thru Chase to dispute these charges. What I heard back is that they checked with XXXX and the charges are valid and I have to pay. I resubmitted a new request explaining in detail the circumstances and emphasizing the fact that I did not authorize a second charge of {$660.00} and XXXX should be able to check the recordings of my conversation with their representative. In the end I received another letter from Chase stating that " While you may have a valid complaint with the merchant, the results of our additional review confirms that the transaction is valid and no billing error occurred on your account ''. There was no details of what exactly they reviewed and how. 

Since these charges were never put on hold while Chase was conducting the investigation I felt that I have to pay them in order to not accrue interest charges. Honestly I feel robbed by Chase VISA card for not supporting me in a charge that i have not authorized. There must be a recording of my conversation with the XXXX agent to prove I am right but neither XXXX or Chase want to pursue that path. Maybe because my card is a XXXX XXXX XXXX Chase VISA card?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In late XX/XX/XXXX I purchased 4 cobalt blue plates from the XXXX XXXX XXXX  XXXX XXXX  store for approx {$32.00} on my XXXX  XXXX card. I did not receive an invoice until XXXX which would have been the 2nd invoice for this account. When i received this invoice it had on a late fee already. I called Customer Service and the woman I spoke with told me I did not pay the first invoice mailed to me. I explained i had not received a 1st invoice only this one. She said she would credit the late fee if i would send the amount owed of which I did ... ... {$35.00}. That check was sent and cashed on XX/XX/XXXX. This is now XX/XX/XXXX and I've received another invoice for {$100.00} which is solely made up of late fees. I spoke to XXXX on XX/XX/XXXX in customer service and she explained that since my check was 2 days late I was being assessed a late fee for XXXX and now another late fee for XXXX bringing the bill to {$100.00}. I refused to pay late fees for something I've already paid in full for. I spoke to XXXX, supervisor ; spoke to XXXX 's supervisor ; and than XXXX in Past Due Dept. All of them have told me that they will keep assessing late fees until I pay them. I think this is blackmail. How can you keep assessing late fees for something that has already been paid in full. I was on the phone 2 hrs with XXXX  XXXX. I told the 3rd person I spoke with that I would return the plates for a refund and then I don't owe anything. She said that wouldn't make a difference as the plates were paid for ; however, I was getting charges for the late fees. This makes no sense to me. This should just be written off, of which they told me their computer only allows one write off ... ... does the computer run the company?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are tax liens on my credit reports that have been paid, released, and dismissed. The records are reference numbers : XXXX for {$710.00} XXXX for {$780.00} XXXX for {$1500.00} XXXX for {$37000.00}

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 2018-01-07
Company: Experian Information Solutions Inc.
State: IL
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 2020-02-12
Company: I.C. System, Inc.
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I C systems. The company was trying to collect a debt that was supposedly originally from XXXX. I have a current account with XXXX. They told me that the account was from an address in XXXX, after I already moved to XXXX. XXXX  removed the account from my credit report, however, IC systems sold the account to XXXX XXXX, who placed the account back on my credit report. I have disputed the account with XXXX, but they will not remove it, even though it is clearly fraud.

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 2021-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
For the XX/XX/2021 transaction date which posting XX/XX/2021, the following three fraudulent transactions were made with my Bank of America Card : 1. XXXX - XXXX XXXX XXXX XXXX - SERVICE STATIONS ( WITH OR W/O ANCILLARY SERVI- Reference Number XXXX, {$21.00} XXXX. XXXX - XXXX XXXX XXXX XXXX - AUTOMATED FUEL DISPENSERS, Reference Number XXXX, {$9.00} 3. XXXX XXXX XXXX XXXX XXXX - AUTOMATED FUEL DISPENSERS, Reference Number XXXX, {$92.00} On Saturday, XX/XX/2021 at XXXX XXXX  I received a notification from " BofA Security ''. The notification asked me to confirm if I used my credit card at XXXX XXXX in the amount of {$XXXX}. At XXXX XXXX  I texted back " No '' to immediately notify the bank that my card was compromised. 

Reviewing my account, I became aware of the other three fraudulent transactions. I called Bank of America the morning of XX/XX/2021 to notify them of the fraudulent transactions. At that time, the bank asked me if I had the card in my physical possession, and I stated that I believed I did. Bank of America told me that they opened an investigation into the fraudulent charges and they issued me a fraud dispute credit. Only later that morning, when I went out to my car, did I realize that the Bank of America credit card was taken from the center console of my vehicle along with another credit card through XXXX XXXX. 

On XX/XX/2021, the fraud dispute credit was reversed. Upon receipt of this letter, I called Bank of America back with the additional information about the theft of the physical card. This claim has now been denied upon appeal twice, and, as recently as XX/XX/2021, they notified me that " unfortunately, our decision to decline your fraud claim for this transaction ( s ) hasn't changed '' based on the " charge is consistent with previous charges with this merchant ''. Someone stole my card out of my car, which was parked in the driveway of the neighborhood I live. The fraudulent charges were then made at the closest gas stations to my home, therefore this logic for claim denial is faulty.

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