BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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:
XX/XX/XXXX I mailed letter to XXXX  with a copy of Notice of Arbitration Award I received from the XXXX County District Court in my favor and against Portfolio Recovery. Portfolio sued me for {$5.00}. The Decision was against Portfolio Recovery. I requested Portfolio be removed from my XXXX  Credit report. XXXX  claims they never received the letter and documents tha was sent through the USPS. After more than 20 phone calls and being transferred from Dept. To Dept and being told I should mail it to XXXX XXXX XXXX instead of XXXX XXXX. I sent a new package to that bos Certified this time. They say they still didnt receive it. I made More than 30 phone calls to XXXX  to solve this. 
XX/XX/XXXX through XXXX own website I filed another Dispute and downloaded the documents and a copy of my XXXX letter.That was to no avail. Today I received a notice from XXXX  stating that they are not removing Portfolio from my Report, because Portfolio certified they are right. XXXX  is not very Professional. I dont know if they have a legal Department, that could have taken a look at the documents. Especially Court -documents. On XX/XX/XXXX I also sent the Documents to XXXX XXXX and they deleted Portfolio from my Account with them. XXXX  has a major problem. They cant read XXXX. A simple phone call to the Courts would verify the Award and they would delete Portfolio.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent my payments on time every month which include escrow payments. After receiving my escrow statement showing a shortage I contacted the mortgage company and explained that there is an error on the escrow statement. The representative reviewed my payments and agreed that one of the payments is not shown on my statement. I was to receive a call last week. No-one called. I then submitted a request on line. Today I received a message stating that Our records indicate your request has been reviewed and determined there were no significant changes. 
I want the missing payment reflected on my escrow account and a new escrow statement issued.

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 2020-12-04
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I originally sent a message to BMO asking to close my account via their website messaging function. I was told to call their call center to close my account. They were also unable to close my account for some reason. I was also told via message that my account would automatically close after 45 days of a XXXX balance. It has been well beyond that and my account is still open and they will not close via message or phone. I do not feel comfortable going into a branch given the current pandemic.

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 2018-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, my XXXX and I opened a home equity line of credit with Bank of America. For the first XXXX years of the loan, the payments were interest only, which were paid 100 % on time. In XX/XX/XXXX, before the loan would transition to including principle payments, I contacted Bank of America and spoke with a woman named XXXX XXXX regarding extending the interest-only time period for a few more months while I sold the property and could pay off the entirety of the loan once it was complete. She assured me this arrangement was satisfactory and approved, and in the same phone call I made the following XXXX months payments. 

Despite this arrangement, I began receiving phone calls from Bank of America informing me that my payments were past due. I informed each caller of the arrangement Id made, yet they continued. No one I spoke to would confirm the arrangement Id made nor put me back in touch with XXXX XXXX to straighten this whole thing out. 

In XXXX and then again in XXXX I sent letters directly to XXXX XXXX, XXXX at Bank of America. I asked him to see the error was rectified and explained that the oversight on behalf of his company would cost me in the millions. I have not received any response. I disputed the incorrect history on the various credit bureaus, and they have remained unchanged at Bank of Americas instruction. 

Suffice it to say this has been a very frustrating situation and I would like it rectified immediately. I am very disappointed in having fallen prey to Bank of Americas less-than-stellar business practices that have led to multiple class actions suits against them. I have included the letters sent to XXXX XXXX, as well as the proof of delivery from 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 2018-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I would like to state my opposition to the decision of XXXX XXXX XXXX and bank of America on gun owner ship and sales of lawful gun transactions. I will not support any institution that opposes my values, liberty and constitution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: AES/PHEAA
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:
I CHECKED MY CREDIT REPORTS AND FOUND FRAUDULENT INFORMATION I CONTACTED THE THREE CREDIT BUREAUS THEY ADVISED ME TO GET A POLICE REPORT SO THE FRAUD CAN BE REMOVED FROM MY NAME. I DID THAT AND SENT IT IN TO THE CREDIT BUREAUS, XXXX WAS THE ONLY COMPANY THAT REMOVED ALL FRAUDULENT ACCOUNTS AND INFORMATION XXXX AND XXXX DID NOTHING. I WANT THIS FRAUD REMOVED FROM MY NAME ASAP. THIS INFORMATON IS DEMAGING MY NAME AND CREDIT WORTHNESS. FRAUDULENT ACCOUNTS : FED LOAND SERVICING, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Account Resolution Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 


Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the second time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

XXXX XXXX  XXXX {$120.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1100.00} US DEP ED XXXX {$7700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On the XXXX of XXXX, I received a direct deposit of {$13000.00} from the Department of Unemployment Assistance ( DUA ) Massachusetts for a Pandemic unemployment claim to my Bank of America account and the account was frozen and my CHECKING and SAVINGS account was closed shortly afterwards I have tried calling the bank countless number of times and visited the bank to ask them to return the money back to the Massachusetts DUA so it can be reissued to another bank but they refused. Its been almost 2 months now and the bank is ILLEGALLY holding the money and has refused to return the money back to its source. They closed my bank account and told me my contract is terminated and I do not have a say on what they do. They have been holding the money for over 7 weeks and have refused to return it back. I have spoken to the fraud department, the bank supervisors and even my branch manager and all efforts hit a brick wall. Please I need them to send the money back to the Massachusetts XXXX to be able to reissue it to my a new bank.

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 2021-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have attempted to rectify this matter with Capital One Auto Finance in regards to a consumer credit transaction that took place. I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by Capital One Auto Finance. Capital One Auto Finance has knowingly and willfully violated the Truth in Lending Act. Truth and Leading TILA The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have sent correspondence to Capital One Auto Finance, such as Debt Validation, Affirdvait of Truths, and Notice of Default/ Opportunity to cure. Capital One Auto Finance has ignored and has not responded appropriately. Capital One continuously abuses me and has caused great anxiety. They have threatened to repossess my property which is a violation of 15 USC 1692f ( 6 ). This includes infringing upon my right to privacy by having a third party come to my private property which is a violation of 15 USC 1692a. All documents were mailed and delivered to Capital One Auto Finance on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Chime Financial Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I received a text message alert from Chime asking if I have authorized XXXX to take money out of my account and I replied no. When I made it home I called chime and told them that it was not me making those charges and they said they would cancel that card and mail me another one. I never received another text alert about XXXX charges. I even received a email from Chime confirming the cancelation of my card. But Chime never did cancel my card and continued to let XXXX take money from my account. When I realized it, I called back and the Chime employee stole {$250.00} out of my XXXX XXXX account. Chime did reimburse me that money back a couple days later. I then received an email on XX/XX/XXXX stating that they did not see that ah error has occurred and they will not give me my {$1300.00} back. I demanded that they reinvestigate and to send me document on why they believe no error occurred. Chime then sent me the document they used to investigate my claim and they highlighted that I stated I had my card on my person at the time and that I store my pin in my brain as the reasons for denying my claim. I'm now on my third rebuttle for this claim and then on Wed. XX/XX/XXXX they sent me a email saying that after careful review of my account they regret to inform me that my account will be closed on XX/XX/XXXX. They are refusing to give me my money back and once my account is closed it will be even harder to get my money back. I am a single mother of XXXX kid, my youngest has a XXXX  XXXX, I can't pay my rent beuse of this and we bwill be homeless. I NEED HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA
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 XXXX XXXX Lease Agreement for XXXX  Nissan XXXX XXXX VIN # XXXX Good Evening Nissan, My name is XXXX  XXXX XXXX XXXX and I are currently serving XXXX XXXX in the United States Military XXXX, thank you for taking the time to read this letter. I am writing because I noticed that my most recent credit report contains, and we had previously spoken on the phone before about the SCRA End of Lease Liability amount of {$1700.00}. I would have an excellent repayment record. I made a mistake in falling behind, but since then, as you may have noticed I recently paid off that debt completely in full, but it is still showing up on my credit report as current. The amount should be showing XXXX since I paid it off in full. 


Would you or your company be able to delete the charge off now and mark it as paid off because that liability debt is paid off completely? I am planning to apply for a mortgage, and it comes to my attention that the current open payment on my record could hurt my ability to qualify. I honestly believe that it does not reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a chance and opportunity and make a goodwill adjustment to remove the collection off my credit report. Nissan is a great company and I enjoyed the privilege of leasing a vehicle from them and will continue to do so in the future. 



Thank you for your consideration, and I hope you or your company will approve my request. 



Best, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have a police report XX/XX/XXXX, Experian and XXXX  is reporting a fraudulent account by XXXX XXXX  XXXX XXXX  XXXX XXXX open in XX/XX/XXXX, this account was open by someone who stolen my identity, Fraud 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 2018-03-09
Company: Credit Karma, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Credit Karma promised free credit score. But apparently, they have been giving me totally off score and rather focus more on selling me new credit cards and services I don't need. 

Only until recently when I need to apply for a mortgage that I figure out my score has been and always been 90 points higher than what they report. 
And this is not a timing issue since they have been showing me at 620-630 for 4+ months. The actual score I got from the credit report pulled by mortgage lender is XXXX. 

I want to report this claimed to be a free service and rather a marketing company trying to make money off avg. customers like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: Harvard Collections, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i have tried numerous times to contact this company on my credit report that i have no knowledge of that is trying to collect over XXXX from me i have never signed a contract electronically nor in person with them nor any of there affiliates

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: Ameritech Financial
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
As a customer of Ameritech Financial I was not informed that the forms that I filled were available for free and that their service was unnecessary as I filled out all the forms and mailed. I am also concerned about identity theft because I have give out some very sensitive information ( such as XXXX in username and password to my XXXX XXXX account and website ) Im afraid that im involved in fraud. Ameritech Financial did not make payments towards my loan and my interest has been accumulating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I paid a debt back to XXXX XXXX through Hunt and Henriques over a period of 5 years. I just received a letter stating they are filing a lawsuit against me. The original debt was XXXX according to my records, and I have paid that back, plus. On several occasions I asked for information on the original debt along with payment history. In 2016 I was given a very basic printout. I continued to make several payments until the the balance was paid. I never received mail, or telephone calls from Hunt and Henriques until I just received a legal threat. I have phone records to prove they have not contacted me by phone, and I have lived at the same address for 16 years and this is the 1st mail I received from them since the basic printout in 2016. They never contacted me regarding any balance on the debt or otherwise. I believe this collection agency is being unethical and pursing questionable tactics in regard to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We made an agreement for close this loans, I did made the payments of {$3800.00} in order to close this account, I have proofs of everything, you Guys close this account for like 1 month and now re opened back again, I do have the title of the car, and all agreements papers for this case, you guys flagged my account and all collections agencies whit no reason, and now is affecting me after I made all this payments, was very hard for me to get the amount of {$3800.00} to close this account in lest than s month, I have XXXX kids, I have family and we passing through difficult economic times for you guys been playing whit my money like this, this is not serious, If i knew this probably i never payed that, please dont play whit the money of my kids and family because they not eating just because of this and now you doing this to us, this is not supposed to happened, I know credit accepted bank is more serious Thant this!

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 2021-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/2020 {$6800.00}. in fraud was committed on my XXXX Bank of America Card. I made a police report XX/XX/2020 and submitted it to BofA. I was never given provisional money to pay bilsl or buy food. XX/XX/XXXX my BofA closed the claim. Period no further help, no call. 

In between this time I was issued a new card XXXX B of A debit card so that I could continue receiving my unemployment benefits. XXXX XXXX, XX/XX/XXXXthe card having {$2100.00}. was frozen and no further action has been or will be taken per Bank of America. Making that a total of {$8900.00} of unaccounted money that Bank of America will not release back to me. 

Both XXXX and Bank of America blame one another. But my thoughts are once the XXXX money is released to Bank of America it is now in Bank of Americas hands? 

Please advise, XXXX XXXX. 
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 monetary relief