BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am trying to do a Partial Release on the mortgage my husband and I have on our home. I'd like to put a large sum of money on the loan as well. Husband is retired and my income has already been drastically affected this year by COVID. We are trying to prepare for what we may be facing financially. 

I have called numerous times to Bank of America, including today, and have not heard back from anyone who can explain my risks of being denied when attempting to get a partial release on our mortgage. In essence, without being willing to give me any information on which they will base their decision to approve or deny, they want me to send in nearly {$2000.00}, all non-refundable, and then they will ( what feels like, randomly ) decide if they can do this partial release. Based on who knows what ... 

{$2000.00} is a lot of money to just throw away. I want to stack the odds in my favor - meaning, if their criteria is so strict that there is no way we would be approved, then I would turn around and go home. But, so far, all I've been told ( by person answering phones ) is basically " Yup, just send in the money and we will see ... '' Any mortgage has certain requirements that if not met is denied. Like credit score, appraised value, debt to income ratios, etc. I'm willing to risk submitting an application along with {$2000.00} non-refundable funds, if they can provide a basis upon which they evaluate this request. If I knew that, and knew I wouldn't meet the criteria, I would save myself a huge chunk of much-needed change. But as it sits right now, I can't even get a call back, much less find out anything such as terms. 

Am I being unreasonable to expect that I should be able to know, like any other mortgage ( of which this is not exactly, I understand ), the guidelines for approval? Is this truly allowed in the banking industry, that no criteria need be revealed to the customer when trying to do a partial release?

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 2019-01-19
Company: BMW Financial Services NA, LLC
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:
BMW FINANCIAL SERVIC is harassing me claiming I have a loan with them. Over the last 12 months I've corresponding back and forth with them to gain clarity on a loan they claim is in my name & social. After extensive research I learned this account was fraudulent & I filed an identity theft claim with identity theft.gov. I submitted the required report to BMW FINANCIAL SERVIC along with a notarized affidavit claiming fraud. BMW FINANCIAL SERVIC is still claiming I have any account with them & they're threatening to send me to collections ... I need this matter resolved ASAP & would like BMW FINANCIAL SERVIC to close their files which have any information with my name & social on it ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: AES/PHEAA
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: Account information incorrect

Complaint:
My complaint is both PHEAA and XXXX are reporting the status of an account with two different account numbers PHEAA # XXXX and XXXX # XXXX respectively, different dates, different balances? to all nationwide consumer reporting agencies. Additionally PHEAA continues to contact we and not my attorney who is currently handing my account via POA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2018 : Received email from Wells Fargo indicacting they were sending a new ATM card to me 'as a precautionary measure because your current Wells Fargo ATM card may be at risk for unauthorized transactions. 
I find this extremely curious as I have not used my ATM card at any location other than a Wells Fargo ATM machine. 
When I called in response to receivnig the email, inquirying about which machine in their network was suspect so I could avoid using it I was told they did not have that information. When I asked to be informed when then did have that info I was told they would not do that. 
When I asked about when I should call back they indicated there was no way to know : but this was on their network - one of their machines! Paint me confused and frustrated.

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 2022-08-10
Company: Experian Information Solutions Inc.
State: UT
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:
According to the FCRA a company can not publish an inquiry on my report without my written consent. The following dates are inquiries on my report that I haven't submitted a written consent to : XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/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 2019-01-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
WELLS FARGO HM MORTGAG is harassing me claiming I have a loan with them. Over the last 12 months I've corresponding back and forth with them to gain clarity on a loan they claim is in my name & social. After extensive research I learned this account was fraudulent & I filed an identity theft claim with identity theft.gov. I submitted the required report to WELLS FARGO HM MORTGAG along with anotarized affidavit claiming fraud. WELLS FARGO HM MORTGAG is still claiming I have any account with them & they're threatening to send me to collections ... I need this matter resolved ASAP & would like WELLS FARGO HM MORTGAG to close their files which have any information with my name & social on it ...

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 2021-11-27
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
O XXXX of this year, I applied for a credit card with Comenity Bank in particular a XXXX XXXX ' credit card. The 1st reply was my credit file was on freeze. I Thawed out my file and reported it to them. The 2nd reply was that it was to early to re-apply, ask me to file again after 30  days. I did so. The 3rd letter ask fo copies of my Social Security Card,  front and back ; the 2 sides of my Ohio Drivers license ; and a copy of our recent bank statement. WITH THE HIGH RISK OF MY PERSONAL INFO FALLING INTO WRONG HANDS, I SEND THEM WHAT THEY REQUIRED. My last reply from them was, that after all the info they ask for and their resources researched my personal credentials. they said that " THEY COULDN'T VERIFY MY IDENTITY. '' AFTER RECEIVING THIS TROUBLING STATEMENT, .WE SUFFERED SLEEPLESS NIGHTS AND WE EXPERIENCED INTENSE XXXX AND XXXX XXXX AND PAIN. I HAVE 4 OTHER CREDIT CARDS AND HAD NO PROBLEM GETTING THEM. THEIR COMPANY HAS A WIDE VARIETY OF TOOLS TO VERIFY THE VERACITY OF MY INFORMATION AND EASY TO OBTAIN BECAUSE OF THE NATURE OF THEIR BUSINESS.iT ALSO AFFECTED MY CREDIT SCORE AND WILL FOR SOME YEARS. WITH ALL THOSE RESOURCES THEY HAVE. THIS STATEMENT IS FALSE AND MISLEADING. I HAVE XXXX CREDIT PROTECTION AND I CHECKED, THERE WERE NO RED FLAGS ABOUT MY IDENTITY 'S VERACITY. THIS TYPE OF BUSINESS SHOULDN'T BE PRACTICING THESE TACTICS. I THINK THEY SHOULD BE MADE TO PAY A HEAVY FINE. FOR THIS SCARY TACTICS THAT WE HAVE UNDERGONE AND STILL WILL COST US SLEEPLESS NIGHTS AND CONTINUED XXXX AND XXXX   XXXX AND PAIN. THANK YOU FOR YOUR HELP, CFPB..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Experian Information Solutions Inc.
State: IL
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:
Experian is reporting inaccurate unverified bankruptcy on my credit report claiming the information was verified by XXXX. So I went directly to XXXX and as a result of there investigation they are showing no bankruptcy in there files as of XX/XX/. I sent the result of the investigation to Experian on numerous occasions and they responded XXXX  with report # XXXX, XX/XX/ report # XXXX and XX/XX/ report # XXXX saying certified as accurate from the data furnisher XXXX. How can Experian verify information that does not exist in there files, letters enclosed. Experian seems to not be verifying the letters sent or totally ignoring my request by just sending a computer generated response.

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 2020-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 have submitted complaint through this platform once already and gotten no resolution from both the creditor and the credit bureau. The account by XXXX XXXX on my credit report is an account that was opened fraudulently and now I am a victim of identity theft. I have tried tried to fix this with both the creditor and the credit bureau. While both companies have made no effort to resolve this I am having to submit other complaint. I received information from the creditor that the proof that they have that this account belongs to me is based on a phone number that it is not mine, an email address that is not mine and an IP Address that is not mine. I have have sent both the creditor and credit bureau supporting documents showing that this account doesn't belong to me. I have sent a copy of my phone bill which has a different number than this creditor has on file. I have sent a copy of my email address information which has a different address than what the creditor has on file and contract that shows i've had this email address for over 15 years. I have sent a copy of my IP Address from both my cell phone and personal computer and this shows a different IP Address than the creditor has on file. I have also filed a police report and identity theft report with the FTC in addition to all of the other documents that I have sent. I find this outrageous and completely illegal because all of this evidence that I have provided clearly shows that this account doesn ; t belong to me and that someone stole my identity in order to defraud this creditor. Neither the creditor nor the credit bureau are following the law and are totally violating the Fair Credit Reporting. My next step since I am running out of options is having to file a lawsuit against both the creditor and the credit bureau. This is affecting my credit negatively and I am trying to purchase a new vehicle and so this is absolutely affecting my life and it needs to be resolved immediately.

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 2020-06-25
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2020, I made a purchase at Lowe 's for {$4500.00}. I used my Lowe 's store credit card so that I could take advantage of the 24 month no interest financing that was being offered. 

On XX/XX/2020, I logged onto my Lowe 's credit card ( Synchrony Bank ) website to manage my auto-pay settings and setup monthly payments for my purchase. My account was previously set to auto-pay the statement balance. I cancelled that option and setup a recurring payment of {$190.00} on the XXXX of each month ( my balance due date ). 

On XX/XX/XXXX, Lowe 's credit card ( Synchrony Bank ) drafted my bank account the full {$4500.00} instead of the {$190.00} that I had setup. 

On XX/XX/XXXX, I noticed the overdraft and called Lowe 's credit customer service. They confirmed that the auto-pay settings on my account were set correctly and apologized for the overdraft. I asked for them to refund the payment and was told that in order for them to refund me I needed to fax over my full bank statement to them showing the amount was processed and not pending. That didn't sound right to me, so I called back to speak to someone else and was told the same thing. I asked if I could send a redacted bank statement showing only the related Lowe 's purchase and was told that they would need the full unredacted bank statement. 

I did not authorize the draft of {$4500.00} and in order to get the money back, I feel that Lowe 's credit ( Synchrony Bank ) is asking for my private information that they don't need before processing the refund.

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 2021-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are 13 accounts on my credit report that do not belong to me I am getting harassed by collections and other companies for these accounts. I have opened a dispute with all three bureaus as well as consulted the furnishers that these accounts are in no way mine I need them removed asap. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX CARD Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my 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 2021-04-06
Company: Consumer Portfolio Services, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Please be so kind to help me, I'm asking for your company to help me enforce what the law states for this corporation to do correctly. Please and Thank you I entered a consumer credit transaction with Consumer Portfolio Services on XXXX.which involved a finance charge along with a down payment of {$1800.00} cash. Pursuant to 15 usc1605 ( a ) finance is charge is the sum of all charges in a consumer credit transaction and does not include cash. CPS is in violation of the 15 USC 1605 Truth In Lending Act. CPS didn't offer any insurance and they failed to disclose to me my right of recession and provided me with the appropriate forms to exercise my right which is in violation of 15 USC 1635. As a federally protected consumer under Title 15 Chapter 41, my rights have been violated and Consumer Portfolio Services is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to 15 USC 1640 and 15 USC 1692K

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
attach information XXXX  has ruined my life

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 2018-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
XXXX XXXX XXXX Information - Preauthorized Checks - XXXX XXXX, {$81.00}. This information has not been provided to the CFPB, shows actual copies of payments.

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 2019-01-19
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I love the fact that Big Banks and even smaller banks have to answer to CFPB about the various complaints that your everyday consumer has to contend to. With close to {$1200.00} in my account BBVA Compass Bank made a choice to freeze my account and after waiting for someone in their Corporate Investigations department I am requesting that my money be mailed and all fees adjusted and a cashiers check be mailed to me as agreed by XXXX. The reason for this complaint is this, Is it ok for a bank to retaliate against a customer that filed a complaint against them for not being in compliance with REG E. Many people that have been victims of Identity Theft ( Such as myself ) are being denied permanent credit for charges I did not make or authorize! I understand this is a smaller bank but they are operating in the US but there are many complaints that BBVA has been in violation of Reg E : Congress passed the Electronic Fund Transfer Act ( EFTA ) in 1978 to protect consumers engaging in electronic fund transfers ( EFTs ). The law provides the legal framework for the rights, liabilities, and responsibilities of participants in EFT systems that consumers use such as automated teller machines ( ATMs ), debit point-of-sale terminals in retail stores, and automated clearing house ( ACH ) transactions such as electronic payment of a creditors bill from a consumers checking account. Regulation E implements the EFTAs requirements. 

Among its provisions, Regulation E specifies procedures that institutions ( including BBVA Compass ) must follow for investigating and resolving errors alleged by consumers for EFTs, such as an unauthorized ATM withdrawal. The regulation also specifies the extent to which a consumer can be held liable for unauthorized EFTs. To facilitate compliance, this article reviews the regulations error resolution and consumer liability provisions. 

ERROR RESOLUTION PROCEDURES : 12 C.F.R. 1005.11 Section 1005.11 sets forth the procedures financial institutions must follow after receiving notice from a consumer of an error for an EFT. Before discussing these procedures, it is helpful to identify issues that are deemed errors. Under 1005.11 ( a ), the term error includes : An unauthorized EFT or Debit Transaction.

Company response to consumer: Closed with explanation