BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Both my BofA and XXXX credit card numbers were stolen on Wednesday XX/XX/2011. On Monday XX/XX/XXXX approximately ten fraudulent charges hit my BofA credit card and two hit my XXXX credit card. All were online purchases to XXXX, XXXX XXXX , XXXX, and XXXX XXXX . All told, approximately $ XXXX was charged to both cards. 

On XX/XX/XXXX we had movers with XXXX XXXX XXXX XXXX XXXX collect our household goods for a move to XXXX. I used both cards to pay the $ XXXX moving fees. The driver did not have the capability to swipe my cards and had us write my credit card information on the invoice. He also took front and back cell phone pictures of both cards. He said it was procedure. I was not comfortable with this, but by that point the deed was done. 

On the XX/XX/XXXX BofA alerted me to a series of unauthorized charges. I had a suspicion it was from someone with the moving company, though I was not sure. Shortly thereafter XXXX alerted me to unauthorized charges. Though I can not *prove* it was someone at the moving company, it is the only entity that obtained both of my credit cards. As charges occurred simultaneously, this is the only thing that makes sense. 

I contacted XXXX XXXX with Quality Control, XXXX XXXX XXXX XXXX XXXX. She took the relevant information and started an internal investigation. I do not know the status of her investigation. She is at ( XXXX ) XXXX, XXXX. 

XXXX resolved all of the fraudulent charges. BofA resolved all of the non-Lowes charges including {$3000.00} to XXXX XXXX and {$71.00} to XXXX XXXX, but denied a charge for {$1700.00} and {$210.00} made to XXXX online, stating that " based on your account history, this charge is consistent with previous charges with this merchant. '' On Saturday XX/XX/XXXX I made a POS purchase from my local XXXX XXXX in the amount of {$42.00}. Because this was a Saturday the bank did not process the charge until Monday XX/XX/XXXX, the day the other fraudulent charges occurred. Because of this -- and despite me clearly instructing the bank not to do so -- the bank lumped this legitimate POS charge into my fraud claim, then denied the entire claim based on this one, legitimate purchase. I have asked the bank to review the claim again without the legitimate POS charge but again, based on this one charge, denied the entire claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: JH Portfolio Debt Equities, LLC
State: PA
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:
I consolidated my debt ( not bankruptcy but it was the closest choice ). At the time my bank was XXXX. I had a checking account, a savings account, a {$5000.00} line of credit and a credit card. I did not owe anything on the line of credit, which is on my credit report back in XX/XX/XXXX, whatever I owed was paid. In XX/XX/XXXX I consolidated all of my debt including the XXXX credit card ( {$7200.00} ), this card was settled in my consolidated debt for {$1800.00} Ever since I this was settled XX/XX/XXXX they have given this debt to collection agencies trying to collect on this settled debt. Even in the same year it was settled for {$1800.00} XX/XX/XXXX. So on my credit report it shows this same debt as a in collection/charge off in XX/XX/XXXX & XX/XX/XXXX. These collection agencies keep calling me trying to collect this settled debt that has been taken care of, its accruing interest. It is effecting my credit and my ability to purchase a house, they have turned the interest in to the IRS and {$1000.00} has been taken from my refund for 2 years in a row because of this bank. I have arrachedthe letter closing my line of credit with a {$0.00} balance with the business card the lady at the bank attached to the letter just in case there were questions, I have attached exhibit A, Schedule of Creditors Debt, I have attached the debt settlement letter from XXXX and I have attached a collection letter, I periodically receive letters but every day Im getting phone calls continuously trying to collect a debt that has been settled. I am seriously upset and I need your help please.

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 2018-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My Transunion credit ( Transunion file # XXXX ) report shows delinquency ( XXXX XXXX XXXX XXXX ) and I started a dispute on XX/XX/XXXX and sent them a proof from XXXX XXXX XXXX that I am not late ( USPS tracking # XXXX ). They finished a dispute on XX/XX/XXXX and I started another one on XX/XX/XXXX and sent them another proof from XXXX XXXX XXXX ( USPS tracking # XXXX ). I called them maybe 8 times and I talked on the phone. Despite of 2 proofs from XXXX XXXX XXXX still it shows a delinquency in my credit report and the problem is it doesnt have a Reporting Key. I attach all proofs and papers. Please you need to take into consideration that Transunion violates my rights and FCRA regulations. If it is not solved in a short time, I will take a legal action! Because nobody can play with my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: NATIONS RELIABLE LENDING LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started working with XXXX XXXX ( NMLS # XXXX ) of XXXX XXXX back in late XXXX of 2020. I paid for an appraisal for my home, in the middle of processing my loan he switched companies, told me he couldn't transfer the appraisal to his new company. He did not offer to give my loan to another person at his former company, which meant I had to get a new appraisal with the new company. He originally quoted me a rate of 3.125 with his former company, but when the loan was about to close the rate went up to 3.75. Because of his bait and switch tactics I decided to not go through with the loan and now he is threatening to send me to a collection agency if I don't pay for the second appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Navient Solutions, LLC.
State: NM
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Repeated calls to my employer, family members and contacts of mine asking for personal information about me .... I have not received any calls, messages or mail directly to myself regarding the matter. 

Ive notified them by emails as well as verbally to not contact or harass these people

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 2019-06-13
Company: Eagle Home Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
From XX/XX/XXXX to XX/XX/XXXX the mortgage company is showing my payments as 90+ past due on my credit report with XXXX, XXXX, XXXX. I have not been 90+ past due and have made all of my payments on time for the time period of XX/XX/XXXX to XX/XX/XXXX. 

We are in the process of buying a home and these late payments they are showing is preventing us from being approved.

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 2019-06-13
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got XXXX to correct my XXXX sometime between XXXX and my doctor set me up with Care Credit through Synchrony Bank to finance the {$4800.00} XXXX. I paid {$200.00} a month until the balance was down to {$1200.00}. 

As a graduation gift to me, my dad paid the {$1200.00} balance off on my behalf. The first attempt was an online payment and at first it was accepted, then later rejected for some reason. I called Care Credit customer service and spoke to a representative who resubmit the payment over the phone and confirmed that everything processed correctly. A couple days later, we checked my dad 's account and confirmed the {$1200.00} had finally been debited. 

I thought nothing more of the transaction until 2-3 years later I was in collections for over {$3800.00}. They claimed my second payment was denied as well so they added {$2600.00} in fees, closed my account ( which removed my online statements ), wrote my debt off, and sent me to collections. That debt collector has since sold the debt to a new company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
After seeing a {$300.00} new account bonus at https : //promo.bankofamerica.comXXXX ( link is now expired, but screenshot attached ), I opened a New Bank of America Advantage Plus Banking Account on XX/XX/2019 and completed the Qualifying Activities by receiving two direct deposits of {$9000.00} on XX/XX/2019 and XX/XX/2019. 

After waiting more than 90 days from account opening and still not seeing the bonus, I contacted BofA using online chat about two weeks ago. 

They said they would open an investigation about my missing bonus. I have not had any contact since.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My ex and I jointly leased a XXXX XXXX XXXX through Ally Financial. 
In XX/XX/XXXX, my ex and I split and he filed for bankruptcy - putting this account into the bankruptcy department. I never missed a payment and kept the truck until I turned it in to XXXX XXXX XXXX in XXXX, MI, at the end of XXXX, XXXX and leased a new truck ( solely ) through a new finance company. 

I have since received several letters on the truck I turned in stating my account was delinquent. I called and requested them to fix this every time I received a letter. 

Finally, in XXXX, they were able to confirm that the truck was turned in and that my account was closed. 
A few weeks later, I received a letter stating I had a 30 days late for XXXX on the truck that has been turned in since XXXX. 
I called Ally again and told them this was incorrect - they said I had to submit a letter in writing stating my complaint - which I have done and I haven't heard anything. 

Through this insanity, my credit has suffered and I have spend way too much time trying to fix a problem that I didn't create. I am outraged at the way this has been handled and that me, the consumer, is the only one who suffers. I pay my bills on time, every time and it is ridiculous what I have had to go through to protect my score.

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 2017-06-18
Company: HANCOCK WHITNEY BANK
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Using the   XXXX   XXXX   app on my phone the bank will not send over info for my account like they should. They update every few days instead of a few times a day so everything is always behind rather than up to date like it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
Company: AMERICAN EXPRESS COMPANY
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:
My ex husband added me to his  AMEX card as an authorized user before we were divorced ... .Amex will not remove this fir me.    XXXX   is also refusing to remove this. I am not responsible for this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-18
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In  XXXX  of this year I accidentally failed to pay {$18.00} on a total credit card bill of {$5300.00}. ( I pay my credit card bill in full every month so this was an a one-time oversight. ) On  XXXX   XXXX ,  2017 Chase charged me {$22.00} in interest for the {$18.00} underpayment. I complained to the company, Chase, but they refused to reverse the charge. To be charged this amount of interest on such a small unpaid balance  is usurious, even if the rules allow them to do what they did. I went ahead and paid the full amount due of {$3300.00}, which included the {$22.00} in interest. I assumed that this payment in full would prevent future interest charges.     Much to my surprise, on my  XXXX   XXXX ,  2017  statement they charged me another {$31.00} in interest. Again this charged stemmed from a slight-of-hand   where they are allowed to charge interest on the average collected balance in months following the underpayment.     I complained today and was told that they would credit back the {$31.00} in interest. I would like the remaining {$18.00} refunded and more importantly I would like there to be a regulation promulgated to ban this type of usurious behavior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-18
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I t is 2017 and I have repeatedly asked all   XXXX   credit bureaus to remove old accounts and ones that have been paid and  cleared and/or dismissed. It 's making me look irresponsible yet I have contacted the companies as well. I know my rights.

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 2020-07-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello. I've been having problems with citizens One mortgage Company. Out of XXXX Rhode island main office. basically they are trying to deceive me into refinancing. I'm not getting a straight answer, I've been doing this for over three weeks trying to get them to explain the process of deferring payment to the end of the loan which is a program that was set out by XXXX XXXX  as a XX/XX/XXXX.. this is a program to defer payment to the end of the loan without affecting current mortgage. I have asked to talk to a manager I ask for email. Especially when the representative have all given me misinformation or was not able to explain. I have faxed over information about the deferral program last week I have gotten no response. I have fact over to them, two other times, asking for a response. my loan number with this company is XXXX. The company representatives and refused to give me any email address or talk to any manager. also I've been put on a customer in a customer cube for a callback they do not return all their calls especially in the evening. And also they have stated and put information in the system saving that they call you and your phone was busy and none of that is true. my cell phone recorder is all incoming calls and I have a voicemail that set up. There are phone records of all my conversations with that company which shows I have tried to talk to the company, which is all on call log records under my loan number. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Fay Servicing, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my mortgage due to covid-19. I am self employed and encountered a significant decrease in income at that time, XXXX. I contacted my mortgage servicer Fay and applied for assistance. On XXXX, I was told there were absolutely no retention options available to me. I was told that the investor XXXX does not participate in deferments or loan modifications. I was told that over the life of my loan, I have been offered the maximum amount of repayment plans allowed by XXXX. 

My mortgage was in good standing until a global pandemic occurred and my mortgage company has made no effort to truly help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Nelnet, 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 is missing that should be on the report

Complaint:
I logged into my NelNet account and updated my new address on XX/XX/2020. I contacted a NelNet representative who stated that they update the 3 bureaus at the end of each month XXXX XX/XX/2020 ). 

I called NelNet yesterday XXXX XX/XX/2020 ) and spoke with a representative who stated that they are not responsible to report profile updates to include a change of address to the 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: EQUIFAX, 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:
The following accounts have been disputed on these dates : XXXX-19, XXXX-19,XXXX-19 for late pays after account closed, comments/remarks incorrect, never got a response for XXXX, Equifax , XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I called in the attempt to settle a debt that I have been disputing for over two years. When attempting to discuss an offer the supposible manager said he worked hard behind the scenes to get me a better offer which was over 150 more than the initial offer given by the previous rep. When I asked to speak to a manager the supposible manager got disrespectful and constantly yelled at me telling me he was not going to send me to a manager good luck with that and hung up on me. I called back in and the same rep got on the line with me and again started yelling at me telling me he would not transfer me to a manager he doesn't have to so he's not going to. I then asked why he wouldnt transfer, he said I don't have to it I don't want to so I'm not going to. I asked for the rep 's ID and he refused to give me the information, he also refused to give the company 's information as I requested. The rep was very abusive and disrespectful After some due diligence I found this to be his information : Caine and Weiner XXXX XXXX Unit Manager Address : XXXX XXXX XXXX XXXX floor, XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I.C systems are trying to collect a debt for XXXX in which was already settled by XXXX that I dont owe this debt. This debt has still not been validated by originals creditor XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My complaint concerns a disputed charge on my credit card from CITI bank. 

A fraudulent charge was made on my credit card on XX/XX/XXXX to XXXX XXXX XXXX for XXXX. I reported it to the credit card companys credit card services on several different occasions after receiving a call from their collections department in mid XXXX. Since then I have contacted them on four different occasions, most recently on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, to find out why this hadnt received a security credit as it had in the past. CITI had given me a security credit when this exact same incident occurred on XXXX XXXX with the same amount and the same XXXX XXXX. When I have talked to them they have repeatedly told me that the charge has been credited, but it still appears on-line on my statement and now I'm getting late charges. They have also closed my account. Each time I have spoken with them for over a half hour, but I cant seem to get this resolved. I have also included the information they asked for from the first time this happened on XX/XX/XXXX as well as pertinent account information They give the following address : Citibank Customer Service XXXX. XXXX XXXX XXXX XXXX, SD 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