BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-31
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX has taken old debt that was discharged in bankruptcy and added onto my credit. I spoke to different representatives and they stated the this account was purchased in 2016. However, any accounts with HSBC were filed under bankruptcy. Also, XXXX XXXX purchased accounts from HSBC and while account was on my Account Name Original Creditor Open Date Balance Debt Contact Information XXXX  XXXX XXXX XXXX HSBC BANK NEVADA XXXX. 
XX/XX/2016 {$550.00} {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX credit as XXXX XXXX, XXXX   XXXX as reinstated the debt to read HSBC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I got a call from Transworld Systems today ( XX/XX/18 ) asking me to verify my wife 's date of birth and address. While I do have some debts in collection currently, we had not received anything from them in the mail. Also, I asked 3 times if they were debt collectors, and they refused to answer. They just said that were calling about a business manner. The number they called from was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: BRite Financial Services, Inc.
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
My car note is paid biweekly, and my last payment was due on last Friday XX/XX/XXXX. I called to notify Brite financial on their customer service number the same day and left a voice mail and that I would be making a payment on Friday XX/XX/XXXX. I have been receiving calls every day at home at work and my cell. This Morning the phone call came at XXXX XXXX. Advising that I was in jeopardy of being in default on my loan for being late ( 5 ) days? I advised the customer service representatives that I spoke with at least once a day. Today it was twice they called, but XXXX XXXX is not ethical or legal. I have a phone log that a call was received by them at this time. I have also attempted to make payment arrangement, to which I was denied because I am ( 6 ) days and they continued to threatened repossession of my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: AMERISAVE MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear Sir, I am a XXXX teacher and my wife is a private kindergarten teacher. I plan to have a refinance for our home and did the internet search, then Amerisave Mortgage Loan originator started to contact me on XX/XX/2021. First, he asked about my and my wife 's income and told us we can qualify for 20 yrs refinanced from 30 years. Then he pursued us to switch to 25 yrs mortgage since we might have a debts ratio problem to qualify for 20 years conventional loan mortgage. Here I want to say our annual salary from me and my wife has around {$90000.00} salary and currently we have around {$20000.00} credit card debt. We went through the credit check and he said we are all over XXXX credit score then he gave us the 25-year loan estimate with a 3 % rate and said we are qualified to apply. After we looked at the load estimate we found the bought 0.585 % points for costing {$1300.00} without disclosed to us from the beginning. Then he said if you plan to live your house for a long time, the buy points is good for us. He said our loan is approved at {$220000.00} with a {$5200.00} closing cost. Our home value is {$300000.00}. Our current mortgage balance is {$210000.00} in XXXX. He asked me to pay {$500.00} for the application fee to start underwriting, then after near closing. He told us that we need to pay {$10000.00} credit card debt to qualify the loan from their underwriting process for closing. Or the cost can add to my borrowed loan! Think of that, if we paid {$10000.00} credit debts, then our credit score should be shooting to a very high score since we have {$90000.00} income with only {$10000.00} credit debts, then why we have only had 3 % offer. I suspect it's their strategy to gain more profit for resale our mortgage. This is the broker who told us that his company resells mortgages to make more profit. If I did not have money to pay off {$10000.00} ( we do not have much cash in our account0, then he will add to our loan. It's unethical. We immediately stop our loan process. We lost {$500.00} and have no idea how much will cost us.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: TCF NATIONAL BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Based on the information contained in this complaint I feel that XXXX XXXX  is not acting in good faith with its current customers regarding the above referenced settlement. 

My daughter just received a {$45.00} check from XXXX XXXX for overdraft charges stemming from XXXX through XXXX when she had an account with them. She no longer has an account. 

But we still have an account and XXXX XXXX  made no such offer of repayment to us, even though weve paid far more fees in overdrafts when my husband complained many times about how they intentionally manipulated their system to create overdrafts by using the online system to provide one balance and then manipulating presentment of checks to create the overdraft. 

XXXX XXXX  letter to us regarding this settlement merely covers our freedom to revoke our opt-in overdraft services. 

Please investigate their failure to act fairly with current customers and if you find that they have again acted willfully please award their current customers monies and fines over and above the refunds they were initially due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: M&T BANK CORPORATION
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am XXXX XXXX XXXX  and have been serving in the XXXX for 19.5 years and I have a home that I purchased XX/XX/2005. I have never been missed a payment until late last year when the tenant I had living in my home XXXX XXXX. I was trying to keep up with the payment with me no physically living in the home it became very challenging. Fast-forward I received a phone call from a mail carrier that I know who delivers mail in the area my home is in and she asked me if I knew that my home was in foreclosure and my response of course was no. I reached out to M & T bank and they said that they have been sending notices although I never received anything in the mail. I am not sure how the process work so I reached out to a real estate professional and I was informed to contact the bank again and see what the for sale date is. The bank the referred me to the attorneys who was taking my case. I contacted the attorneys who were handling my date and they emailed me the amount in arrears, the payoff amount and the Foreclosure for sale date. I have tried to work with the bank to get this date postponed as having an active foreclosure and I was told that there was nothing to do. I was told that I did not qualify for the program for military because I bought my house before the program for military was in effect. I do not want to loose my home. I am planning to move into my home once I retire which is in 1 year. I really need help with this matter. I did not work hard to keep up the payments of my home to just finally loose it without any notices at all. I hope that I can get some help in this matter. 
Thank You 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 non-monetary relief
Consumer complaint received 2017-11-18
Company: Debt Management Partners LLC
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Dept Management Partners ( XXXX XXXX ), called my home several times after I told them not to. After they communicated with me they still called my references upsetting them. I have talked to several of their agents and one in particular told me I did not have any family and friends when I told him not to call them. They also insulted me and harassed me. They told my mother that they were going to send a sheriff over to my home in 20 minutes if I did not make a payment. My mother contacted the local police who told her if anyone came to the house they were be arrested.I have told this company to stop called and they kept on calling me. Me and my family do not deserve to be harassed or talked to like this company did. Once again I offered to make payment arrangements once I started my job in a week and they said they needed a payment right away. I still blame XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: EQUIFAX, 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:
XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX On the dates listed above XXXX the items listed were adding to my credit report without my consent. I want to inform your office that you are in violation of my rights by reporting false and inaccurate information. I have no knowledge of these accounts. 

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

( c ) Attorneys fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. 

( d ) Clarification of willful noncompliance For the purposes of this section, any person who printed an expiration date on any receipt provided to a consumer cardholder at a point of sale or transaction between XXXX XXXX XXXX and XX/XX/XXXX, but otherwise complied with the requirements of section 1681c ( g ) of this title for such receipt shall not be in willful noncompliance with section 1681c ( g ) of this title by reason of printing such expiration date on the receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I have an account with capital one bank, on XX/XX/XXXX XXXX, I paid off account to have a XXXX ( XXXX  )  balance, which was {$330.00}, as of today my balance remains reporting as {$330.00}, credit bureaus don't have correct information and needs to be corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2017 I have made an online {$1000.00} transfer from my checking account at Bank of America ( BofA ) to my checking account at XXXX XXXX ( XXXX ) using XXXX XXXX via my registered email address. The funds were debited the same day and never credited to my checking account at XXXX. I filed the claim with the BofA and waited 45 calendar days for them to complete investigation. As of today I'm still looking for my {$1000.00}. Ireceived a letter from BofA stating that they could not locate funds and advised me to reach out to XXXX. I have called XXXX and XXXX and both of them referred me back to BofA. Dead End! It looks like between Bank of America, XXXX and XXXX XXXX no one wants to be responsible for what happened. 
To me it is a lot of money and I'm not letting it go until found.

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 2018-01-31
Company: EQUIFAX, 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:
Equifax Confirmation # XXXX XX/XX/2018 Equifax has not provided any documents from XXXX XXXX showing a Charge Off or money owed and Equifax has showing a Charge off but nothing as proof or documents to prove there charge off. 
I have provided from XXXX XXXX there is nothing owed or any amount of money owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was told or shown under a XXXX  link on the internet that there were low income repayment loans. I already have one through XXXX. But I called the number anyway because of fear of this ending soon. I called XXXX XXXX XXXX and they told me that if I made 3 payments of {$230.00} in three months that they would write off all of my debt after that. Now all of my dad is {$160000.00}. Which I thought may not really be true but he kept contacting me and we filled out papers and he needed to know that I would have a job and I hadn't had a job yet and then I was getting one. I'm in a helping profession so I thought that this could be legit because I had heard that there are loan write-offs but these types of positions and I thought that this was one of the ways I could go about doing it. But the last time I spoke with him he asked me for my debit card number and just wanted it on file he said for when I sign papers and said that everything was fine and that they could charge my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 have been a victim of identity theft and financial fraud. Starting on XX/XX/XXXX, through as recently as XX/XX/XXXX, I have been defrauded of {$19000.00} through my Bank of America XXXX XXXX XXXX account. 

The very first sign of fraudulent activity on my BoA account was an email I received at XXXX pm XXXX, XX/XX/XXXX from BoA, Bank of America XXXX XXXX XXXX- Card Added to Another Account stating, The card ending in XXXX that is associated to your account was recently added to another account I have never added my BoA card added to another account. I was unaware this was even an option. 
I have, since my BoA XXXX XXXX XXXX account was opened in XX/XX/XXXX, had no other accounts with any banking institution. 

XX/XX/XXXX I phoned BoA XXXX XXXX XXXX at XXXX pm XXXX, to ask about the XX/XX/XXXX email and the security of my account. BoA advised me to treat the XX/XX/XXXX email as fraudulent, to forward the email to XXXX, that BoA had not sent me the email I received on XX/XX/XXXX, at XXXX pm PST. I was further advised that my account was secure. 

This constitutes a major error on BoA 's behalf, as the XX/XX/XXXX email was in fact the legitimate result of the XXXX XXXX, someone other than myself, fraudulently accessing my BoA account and adding a fraudulent transfer account ending in XXXX, routing XXXX to my profile, to which they would fraudulently transfer {$3000.00} via a XXXX XXXX XXXX XXXX later that same day, XX/XX/XXXX. This began the subsequent XXXX week run of {$19000.00} in theft from my account. 

This recently uncovered detail, can be confirmed by BoA 's call logs and notes to my account regarding our interactions. 

I currently have an open claim with BoA for the most recent {$8000.00} in theft of my funds. However, I am lawfully due a full refund for everything that has been stolen from my BoA account. Every single transaction relating to the {$19000.00} in question was verifiably fraudulent. I did not authorize, nor was I involved in any of these transactions. 

These new details regarding my very first interaction with BoA regarding this fraud on XX/XX/XXXX, need to be taken into very serious consideration while investigating all of my claims. BoA 's response to my inquiry on XX/XX/XXXX was, at the very least, extremely bad advice. To me and the detective working my case ( XXXX ) with the XXXX XXXX Police Department, XXXX XXXX XXXX Detective XXXX XXXX, what BoA told me on XX/XX/XXXX, sounds more like misinformation, or potentially, fraudulent information.

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 2020-11-09
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: Their investigation did not fix an error on your report

Complaint:
There are two accounts reporting on my credit file incorrectly. I requested the three credit reporting agencies to correct the false information almost 3 months ago and they are till reporting it incorrectly. XXXX XXXX account number XXXX there is no money owed and XXXX 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 non-monetary relief
Consumer complaint received 2018-11-26
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
My car was repossessed by Navy Federal Credit Union. The account was charged off. The information in regards to account was incorrect and the creditor did not send me any information about the sales of this vehicle. Under the State of California, Fair Credit Reporting Act and Federal Trade Commission the creditor did not provide me any information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: EQUIFAX, INC.
State: NJ
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:
I am not getting any responses from the credit bureaus despite of several dispute I sent them for the past few months. These are the accounts I sent them for dispute : XXXX  XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX | XXXX  Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: EQUIFAX, INC.
State: PA
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:
These consumer reporting agencies are reporting fraudulent and inaccurate information on my report and is violating my right to privacy under FCRA law 15 USC 1681b! 
There are reports showing that this account " XXXX XXXX XXXX XXXXXXXX '' has late payments which are inaccurate and each individual credit reporting has different late payment dates for this account which is inaccurate and fraudulent!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: T.S. Holdings
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
By XX/XX/21 I made a final payment totaling {$1800.00} in turn, I was told that the account would get DELETED from my credit report, not paid in full that arrangement was stressed and made clear before the payment was made. Fast forward to now and it is being reported incorrectly. I spoke with XXXX XXXX ( account rep ) who promised me to delete said account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: EQUIFAX, INC.
State: TX
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:
Chapter XXXX bankruptcy reflected on credit after 7 years. Reference # 's XXXX.

Company response to consumer: Closed with explanation