BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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 received a call from someone acting as XXXX XXXX. There was an automated system that said the call was from XXXX XXXXXXXX and that my services where in the process of being disconnected if a payment was not made. I agreed to make payment during the 35 min call. I became suspicious when the man acting on behalf of XXXX XXXX asked me to make a second {$240.00} payment. I advised the caller that I had confirmation that the payment was made. The caller abruptly ended the call. I immediately contacted XXXX XXXX who advised they did not call me. I immediately contacted Bank of America to stop the transaction. The Bank of America rep advised me that they could not stop the transaction and a claim would be filed for investigation. The rep informed me that this was a BOA to BOA transaction. The rep said I would receive a credit in 2 business. I didnt get credit and called back to be advised that an investigation was pending in 10 business days. I advised that I had new address and confirmed email address. I didnt get a response so I called today to be advised that my claim was denied and I needed to contact other party. The rep advised today that I will need to submit docs to prove scam. I advised theres nothing to submit other than a screen shot of my call log which will show some number I gave them. I am being asked to send supporting documents. I have nothing to submit. I am requesting the bank to investigate the recipient who acted as XXXX XXXX and defrauded me. If this is also Bank of America acct just like mine, they should be able to easily verify this is a scam to confirm fraud was committed. I am asking you all to review this matter as it is clear this claim was not thoroughly 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 explanation
Consumer complaint received 2018-12-17
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/XXXX XXXX XXXX based out of XXXX OH. Repeatedly calling people associated with my SIL. Including my parents!

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 2020-07-22
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We were having mortgage troubles before the Pandemic, as I am XXXX XXXX and my husband was not getting many hours at work ( now he is XXXX ). I was catching up as often as I could with the mortgage and making several payments at one time, in most cases. I had made a few payments during the pandemic, still trying to catch up. On XX/XX/XXXX I made two payments. By my calculations, I was still behind and needed to catch up with more payments. I saved for few months to be able to do this. I received a letter from XXXX, our mortgage servicer, stating that they were offering a modification ( which I had not applied for ) and that I would have to make the new payment by XXXX It is a trial modification and after three months of on time payments, it is permanent. I have a modification in place from a prior servicer. I wanted to ask some questions, before committing to this. It is now XX/XX/XXXX and I have not heard back from my email, dated XX/XX/XXXX, which was the day after I received the letter. 

I have some specific questions that I need answered : Mainly, are they including the {$1800.00} in payments I made on the same day as their letter? 

I just need clarification before accepting and I feel that it is the servicer 's responsibilty to answer these questions before I commit to something that I don't have enough information to understand. I will not be forced into a corner, when I have protections in place to not even have to pay my mortgage right now. I am in Calfornia, in XXXX XXXX county which is in an area with a very high infection rate. I may not be able to continue to work, if the state is shut down like it was previously, so I need clarification. ASAP I will not accept this modification with out adequate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: FL
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:
Reporting agency Equifax is reporting a fraudfully account on my report that does not belong to me. 
XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$12000.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX I disputed this account and i would like a through investigation on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: JPMORGAN CHASE & CO.
State: CA
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:
JPMCB Slate Card XXXX Opened XX/XX/XXXX Closed by Creditor XX/XX/XXXX Late payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Made 89 % Payments on time, percentage was higher at time of closure. 
Recently became aware that account was delinquent and had been closed. Found this out after a rental company pulled my credit report. 

Due to this card and another closed by Chase Bank who reported several delinquent marks, my credit has dropped significantly. I am unable to rent any properties due to this. 

This acount to the best of my knowledge had been set up for automatic withdrawl for at lease minimum payment. I do not see the withdraw from my checking account nor application to Chase account. All negative marks still appear on credit report, along with amounts considered as due now. 

XX/XX/XXXX I spoke with customer service at Chase Bank with attempt to resolve the negative marks. I brought to attention that my account had always been on time until, unbeknownst to myself that the automatic payments had stopped being withdrawn. I was unaware of this, and want to make this right with the company. Customer service told me there was nothing they could do to help me. 

On Chase account online, there are no No notices or letters on my account. 
There are also no branch documents. 

I am a nurse that makes a great living. I am honest and want to make this right, I feel like this was out of my hands and I was unaware of the situation. Now I am unable to secure a place to live do to these negative marks. The creditor did not help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-07-17
Company: Shellpoint Partners, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Shellpoint is not updating my bureau scores timely. Last scores are updated as of XXXX. This is causing me an issue with trying to refinance which I need to do due to divorce. Company has been contacted multiple times and issue still not resolved. 
I am paid through XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit score is being reported incorrectly. I have a positive account with a credit card on XX/XX/2021 a payment was made on time there's no negative information and my score dropped 30 points when the balance decreased. The score is being reported incorrectly and my account is not being monitored properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: U.S. BANCORP
State: CA
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:
XXXX They said there helping but there not and I'm getting XXXX by them and I'm not going to allow it. I'm ready to sue them for there fraud actions now.. This is XXXX XXXXXXXX XXXX scams all over again .. ( XXXX ) XXXX new cell #

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 2020-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 sent {$300.00}, {$100.00} in sets of three at different times, to a person in exchange for a new phone. I was hesitant on ending money because she kept asking for more money in order to get it shipped out to me, providing screenshots of proof that she needed the money in order to get me my package. Now that i see it, I don't think she ever sent me the phone and i think I just paid {$300.00} for nothing. I want to dispute the transactions, but I paid through XXXX, which has no buyer protection whatsoever. I was under the impression that it was safer then any other money transferring apps, but i was mistaken. After transferring the first XXXX, i was called by an unknown number claiming to be Bank of America. She said that they were calling her too, and I thought that was suspicious as well.

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 2020-07-21
Company: Experian Information Solutions Inc.
State: TN
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:
ftc on accounts all XXXX XXXX XXXX XXXX XXXX XXXX all oXXXX XXXX XXXX XXXX XXXX / pXXXX XXXX XXXX ( all )

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 2022-08-13
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been a customer of Santander Bank for over 15 years. On XX/XX/XXXX, I attempted to use my debit card to pay for a {$6.00} parking fee and my card was declined, yet I knew I have about {$200.00} in my checking account. Same day when I got home, I called and learned that {$220.00} had be deducted from my checking account, which I had not made or authorized. On XX/XX/XXXX, I followed up with Santander 's Fraud Department to inquire about the unauthorized deduction from my account. I was told that I had authorized an electronic external transfer via online banking in the amount of {$220.00} to a XXXX XXXX on XX/XX/XXXX. I told the Fraud Dept. Rep, that I absolutely did not authorized any electronic transfers to XXXX XXXX, because I do not do online banking with Santander at all, and I certainly did not know or authorize a XXXX XXXX, to do an external transfer withdrawal from my account. I was told by the Fraud Dept. that on XX/XX/XXXX that someone changed my phone via online banking to XXXX on my account, and it absolutely was not me. I told them that I never authorized or changed my number via online banking account, because again, I do not do online banking with Santander Bank. I attempted to resolve this matter four times and three times via the claims process on or around the following dates XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, once in person at my local Santander Bank Branch on XXXX XXXX XXXX XXXX, MA XXXX on XX/XX/XXXX and all attempts denied the return of my {$220.00}, which was an unauthorized withdrawal from my Santander Bank checking account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Atlantic Bay Mortgage recklessly double paid my homeowners mortgage even though I had already timely paid it directly with XXXX XXXX and informed Atlantic Bay I had paid my premium timely. Because of Atlantic Bay 's avoidable mistake, I have been financially harmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Bank - Account # XXXX, : has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States ; no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13
Company: PlusFour, Inc
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights Under 15usc1681 section 602 states I have the rights to privacy 15USC1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written information Under 15USC1666B a creditor May not treat a payment on a credit card account under a open and consumer plan as late for any purpose

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 2020-07-21
Company: Experian Information Solutions Inc.
State: AZ
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:
sent 609 and 611 letters to original creditors and all 3 credit bureaus for proof of originals documents with my signature according to the FCRA and sent the " Repossession Deficiency Dispute " to original creditors and credit bureau for the past several months and haven't received proof with originals copies. 

Also the account been closed for about 3 years, then re opened 2 months with out my knowledge, and never been alerted that it will be reopened

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Fay Servicing, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am explaining what happened as a victim that experienced FINANCIAL ABUSE, FINANCIAL EXPLOITATION, and FINANCIAL FRAUD in the mortgage process and Sale of my home at XXXX XXXX XXXX, XXXX, MD XXXX by XXXX XXXX XXXX, FAY SERVICING, XXXX, AND XXXX. 

Also, I had stated in writing and verbally that the Mortgage Balance amount was wrong and needed to be corrected, which was not done properly. The Appraisal process was not done properly in showing my home being built and moved in XX/XX/XXXX, resulting in a wrong Appraised Value lower that was not properly corrected. 

Additionally, the XXXX XXXX XXXX CLASS ACTION SETTLEMENT was approved with Final Order by XXXX XXXX XXXX, U.S. District Judge on XX/XX/XXXX, that I was a part of this Class Action Settlement for the {$5.00} Million agreed pay amount. 

Furthermore, I received an email dated XX/XX/XXXX, the SECURITIES AND EXCHANGE COMMISSION CHARGED XXXX with Widespread Recordkeeping Failures and agreed to pay {$15.00} Million. 

I HAVE NOT RECEIVED ANY COMPENSATION AT THIS PARTICULAR TIME YET!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: U.S. BANCORP
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: Problem with personal statement of dispute

Complaint:
I have been a US Bank Credit Card holder for 14 years. 
I have never missed a payment nor had a late payment till recently when I lost my job due to the Covid-19. 
In XX/XX/2020, There was a message form the US Bank XXXX, telling consumers that " US Bank Is there to help and there was a link and a phone number to call ''. 
I contacted that number and asked the rep to do a 90 days deferment for me, just like I did ask XXXX, XXXX XXXX   XXXX XXXX ... 
US bank was very vague and did not specifically say that they have a deferment program but mentioned reversal of Late fees. I mentioned that all my other Credit Card Companies offered the 90 day deferment and why wasn't US bank following their Lead ... There was no answer from the rep. 
Long Story Short, I get calls from US bank on XX/XX/XXXX & XX/XX/XXXX and they collect a payment from me, not enough to cover my minimum payment, I again mention to them about a deferment option and they are vague and do not give me a definite answer. 
Finally they call me XX/XX/XXXX & XX/XX/XXXX and collect all of their past due, then they put a 90 Days late on my credit, lowering my score XXXX points in 1 day. prior to this I had never had a late payment with any of my creditors and they ruined my 100 % payment history. 
I contacted them several times, and wrote to them, but they refuse to take these late payments from my credit stating that " The account information reported by US bank to CRA is accurate '' Another Ironic Twist ... 
Today I received an email from US bank giving us a message from their CEO ... 

" Banks are the cornerstones of communities and, in times of crisis, it is more important than ever for people to know they can count on us. We take that responsibility seriously. I wanted to let you know about some of the things we are doing to help minimize the impact XXXX has on you, our employees and the communities we serve '' This is almost comical, since they should say ... 
you can be a loyal Card Holder for 14 years, and Never miss a payment, but if you loose your job during the pandemic, tough luck ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03
Company: EQUIFAX, INC.
State: MI
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:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block these items not later than 4 business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on these items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : -, STATE OF MI OFFICE CHI XXXX Balance : {$70.00}, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XXXX XXXX, XXXX, XXXX Inquired on XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: EQUIFAX, INC.
State: MI
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: EQUIFAX, INC.
State: VA
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'm just coming home from being XXXX  for the past 7yrs only to find out that my identity has been used and destroyed within the credit reporting system. I'm asking that the following accounts be blocked from my credit file immediately.

1 ) XXXX/XXXX XXXX 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX  XXXX XXXX  XXXX 4 ) XXXX/XXXX

Company response to consumer: Closed with explanation