BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I was XXXX from XXXX to XX/XX/2020 .my purse, with wallet, cards, and cell phone were locked up inside.i live alone with my son.His father and fiance were given access to apt.to solely to retrieve my sons clothing. when I got out of XXXX  my house was broken Into and several items including my purse were stolen I already sent paper work to child support card company and was denied .I did not and could not have done any kind of transaction during the dates I was XXXX XXXX.and no one has permission to use my card .I filed a police report which I sent to them along with my letter of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX, I obtained a cash advance in the amount of {$5700.00} on my credit card with Bank of America due to repairs required on my house. On the next statement I received ( XX/XX/XXXX - XX/XX/XXXX ) it reflected interest of {$36.00} for the advance. The statement of XX/XX/XXXX - XX/XX/XXXX reflected interest of {$120.00} with a " balance subject to interest rate '' of {$6000.00}. The statement of XX/XX/XXXX - XX/XX/XXXX reflected interest of {$120.00} with a " balance subject to interest rate '' of XXXX. My most recent statement ( XX/XX/XXXX - XX/XX/XXXX ) reflects interest of {$160.00} with a " balance subject to interest rate '' of {$7200.00}. 

I asked a customer service representative today why the cash advance balance is higher than the original advance, and was informed when payments are received the minimum payment amount goes to the lowest APR balances first and anything above that to the higher APR balances. This information is on their monthly statement. I also asked if the monthly interest on the cash advance balance is calculated on the " higher '' balance of principal plus unpaid interest, and was told yes. I understand this as capitalized interest ( charging interest on interest ) and thought it was illegal.

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 2017-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am a XXXX XXXX XXXX XXXX single mom on a fixed income. I have two checking accounts due to various deposits, but usually move all money to one or the other for the convenience of my son who helps me with driving/groceries. I check the balance of the both accounts twice a day, once in the morning and once minutes before XXXX the cutoff for Bank of America running through charges, according to their representatives. On multiple occasions now, I have checked at XXXX to find a positive XXXX dollar balance in the empty account only to open it up the following morning ( approx 12 hours later ) to find multiple charges run through along with overdraft fees for each item of {$35.00} a pop. This certainly does not provide for me the 24 hours or a single business day that Bank of America says they provide to cover overdrafts with transfers or deposits. When attempting to contact the bank about the matter, I 'm told the amounts must have been " processing '' and I simply could not see them. I state I can see " pending '' transactions and they were not there at XXXX and some seconds. They state they must have been " floating '' out there. That still does not provide me the business day to cover the overdraft. In the past month, Bank of America has charged me in {$350.00} in fees in this manner. This certainly feels illegal, and certainly unfair business practices, and I would like for it to be investigated.

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 2020-01-11
Company: Total Card, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment on the day before my statement closing date of XX/XX/2020, my payment was made with guaranteed funds and before the XXXX cst business day cut off to post that day. The company did not post that payment and even tho I notified them, sent inaccurate information to the credit bureau knowing that they were reporting incorrect information. I was also charged interest and a late payment fee per the representative, after speaking with a supervisor name XXXX who refused to take any action to prevent the delivery of incorrect information from reaching the credit reporting agencies and also continued to say the cut off was XXXX cst when I Refered to the disclosure where it stated XXXX she refused to send the documents showing XXXX. I have attached the disclosures, refer to page XXXX on payment posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been a customer of 5/3 Bank since XX/XX/XXXX and had good expierences with them up until XX/XX/XXXX. I did a mobile deposit to Acc # XXXX and was given {$100.00} available upfront. On XX/XX/XXXX the funds were not available and the bank took back the {$100.00} in funds that were given upfront. I was advised on XX/XX/XXXX that the funds would be available fully on XX/XX/XXXX. I disagree with the decision. On XX/XX/XXXX I went to my local bank branch and spoke with XXXX regarding the extended hold and explained I have never had an extended hold placed on a deposit before ever in 4 years. I also brought proof that the business I deposited had cleared from the other bank and showed a statement where the funds were available from the other bank account at the other institution. The local branch at 5/3 has done nothing to help me receive the funds any earlier with the proof that they cleared. It is 7 days before the XXXX Holiday and now im without funds to pay for my bills, living expenses and XXXX for my family. I have attached a copy of the Reg CC hold guidelines that the bank claims they did to my deposit. I was never given the first {$100.00} and my hold was longer then 5 business days. The deposit was less then {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2018 I entered into a mortgage contract with XXXX, they are located in XXXX, PA. On XX/XX/2018, XXXX sold my mortgage to XXXX XXXX XXXX XXXX XXXX  . I was not informed of the sale until the end of XX/XX/2018. My XX/XX/XXXX mortgage payment of {$260.00} was already on it's way to XXXX by the time I received notification that Shellpoint was the new mortgage servicing company. XXXX received and kept the {$260.00} instead of giving it to Shellpoint. Shellpoint has called me constantly about the XX/XX/XXXX payment. I have provided Shellpoint with solid proof that I made the payment to XXXX  who received and kept the payment. I called XXXX and asked them why they didn't send the payment to Shellpoint and I was told it was being processed and would be sent to the appropriate people soon. At this time Shellpoint is now harassing me for the payment that XXXX stole from them. My name and phone number has be placed in their robotic debt collection system. 

I have explained to every person at Shellpoint who calls me that I am not delinquent in my payments and that proof has been provided that the XX/XX/XXXX payment of {$260.00} was sent to and kept by XXXX. 


I should not be harassed for a theft committed by someone else. Shellpoint should call XXXX not me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Im making payments as agreed to capital one. XXXX a month. Long story short ... Im struggling with my health and taking care of parents. Theyll get their money when I die but Ive been making payments religiously as agreed. They stopped sending statements couple months ago. They rejected my XX/XX/XXXX money order stating no account number. My handwriting is not good. I alway place sticker with complete account number. It was missing she returned to the bank. I feel they did this o purpose to drag me to court for more money. Im tired of the games. I pay every month. Even when they dont send statement and its never reported in my credit report with any debt collectors. Please make them send me a statement as agreed. Im replacign money order XXXX XX/XX/XXXX. With money order XXXX XX/XX/XXXX. Mailing XX/XX/XXXX. Please help me. Im tired. I wish I could pay it all but I just cant. Im sorry XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. My ID and wallet was stolen and several accounts were opened in my name. I have never had service or done business with XXXX or any of XXXX 's subsidiary companies. I contacted XXXX and the address they had service is not an address I have lived, worked or had any association with. I have filed a police report with the XXXX police department. The report number is XXXX I have attached letters from other creditors showing their investigations and the results of the investigations. I have also attached a copy of my photo ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: CL Holdings LLC
State: NV
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:
Jerrerson Capital system has been attempting to collect a debit from me that does not belong to me. I have advised the creditors as well as the credit bureaus that account number XXXX does not belong to me. I was asked by the compmay to supply a copy of my ftc report which I have mailed at least 5 times and this account is still showing on my credit report, I would like Jefferson capital to stop attempting to collect on this debit with me and close this account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This vehicle loan was transferred to recovery was a voluntary return do to health issues. XXXX XXXX was paid on this vehicle by reselling it in fact the balance is wrong. XXXX XXXX offered XXXX dollar settlement. Later was a verbal phone call of a XXXX dollar settled. But only have proof of a letter stating a XXXX dollar settlement which Ill take a picture of for proof and agreed to make payments on. The balance of over 16, 000. Is an incorrect balance

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 2021-08-11
Company: Army and Air Force Exchange Service
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: Information belongs to someone else

Complaint:
the following accounts appear on my credit report, they do not belong to me, please check them, they are hurting me Identity Theft MILITARY STAR Account Number : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

Identity Theft US DEPT VETS Account Number : XXXX This is not mine. 

6. Identity Theft US DEPT VETS Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
At the present time I am conducting an investigation because I have been a victim of identity theft. During the past few months I have received several phone calls from Discover for a past due balance. It has been almost about 10 to 15 phone calls a day. I found that persistence very unusual and concerning. At one time I had spent about 25 minutes with a Discover representative and as soon as I hung up I received another call from a representative allegedly from Discover as well who did not verify the account nor asked any security questions to protect my privacy. I also found that Discover had different phone numbers to contact me that were incorrect, I requested the representative to inmeditately remove the wrong contact numbers. 
As I am currently struggling as a victim of identity theft and my credit has plummeted, I am reviewing everything in order to recover. Discovers actions are not compliant specially after so many issues affecting customers privacy and identify protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: PHH Mortgage Services Corporation
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
COMPLAINT ID XXXX Thank you guys for comprehensive explanation, but you explain mathematically. 
The property tax is from XXXX to to XXXX next year.The city hall can not change while. 
You change the property tax on XXXX XXXXBut property tax did not went up on XXXX XXXX.Why did you increase the tax in the middle of the year.What hapened.? 
Second questuion.Can i pay for property tax and property insurance my self, without escrow account.Guys reminder you have transferred my mortgage three times no one.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Experian Information Solutions Inc.
State: CA
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 just need my mortgage information reported by Experian Credit Agency, as it is reported by XXXX XXXX and XXXX. Back on 2016 that information was removed from my credit report and it is not being updated as of today because of the stupid reasons, such as reporting date issue. For more than a year I am trying to resolve the problem with help of my mortgage company XXXX XXXX XXXX and no luck. Experience representatives are confirming over and over again that there is nothing can be done, it is against the law to update my mortgage information with the same loan number. 
Please help me to resolve this ridiculous issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: Experian Information Solutions Inc.
State: NC
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:
Looking to apply for credit and found a number of inquiries that I did not make or give permission.

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 2021-06-08
Company: TD BANK US HOLDING COMPANY
State: NY
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:
Creditor : Target Red Card Issue : Fraudulent activity on account ( I've been on autopay since XXXX because I enrolled in their debt relief program which automatically enrolled me in a payment play to pay {$64.00} a month for 9.99 % APR until I paid off the credit card ). According to Target, there was an unauthorized approval from their end to cancel my debt-payment plan, I asked for a copy of my updated service agreement, and they refused, they reported inaccurate information regarding a late payment I was never alerted about to all three credit bureaus, they were unwilling to work with me and transferred my call to multiple departments with no help, I had a copy of the original credit card agreement in front of me, and they straight up lied about what their policy is, my total credit line amount decreased from $ XXXX to $ XXXX, my APR % spiked, and my monthly pay almost tripled than what I could afford. 

In week of XX/XX/XXXX : Called Target, and they were not helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have a total of {$100000.00} in student loan debt - {$82000.00} of which are from private loans. Every month I'm responsible for paying {$1300.00}, which I struggle immensely to afford. My largest burden is to Sallie Mae - {$970.00} each month. I've contacted them several times over the years trying to find amenable options to help to deal with this debt. I've used up all my Forbearance options. The last time I spoke with them reaching out for help and asking for lower payment options ( I believe XX/XX/2016 ), they told me it was not possible and that either my cosigner needs to pay up or that I would have to just default and then see what happens then. My cosigner is unable to help out with the loans. Even with a cosigner, I don't qualify for consolidation or refinancing because my debt to income ratio is too great. I'm swimming in debt, and barely have enough to cover my other expenses like housing, medical bills, food, etc. I need.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: Credit Karma, LLC
State: KY
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:
XX/XX/2018 I filed a dispute through credit karma. I can not file another dispute because the site thinks the dispute is not final. 
Tried through XXXX via mail and phone with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: SUNTRUST BANKS, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I wish to raise an official complaint in respect of treatment of Suntrust mortgage account on the basis that I do not believe that I have been treated fairly. 

I was told by seller I will have {$16000.00} incentives for the closing. My closing due day is on XX/XX/19. The most current closing disclosure I received from suntrust was on XX/XX/19. I was agreed on all numbers, based on that closing disclosure. Until XX/XX/19, the Suntrust sent me a email, and that email stated there was an error on my final closing disclosure. Also I will not getting a full amount of {$16000.00}, because based on their explanation that FHA credits for state transfer tax ( {$1100.00} ) it is apart of that {$16000.00}. It was conflicted when the seller told me at beginning. Which I should get a a FHA credits from seller by the MD state Law, and with a full {$16000.00} seller incentives additional on top of that. 
I have been misleading by Suntrust and the seller ( XXXX ),  and do not believe they meet the Financial Conduct Authority principles of needing to be clear, fair and not misleading. 
I have attached with original final closing disclosure on XX/XX/19.

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