BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I received a text from the number XXXX stating the following : " Bank of America FRAUD : Did you attempt to send money with XXXX for {$2900.00} on XXXX Reply YES or NO. '' I replied NO and, a few moments later, received a call from XXXX stating the individual was from Bank of America and he was following up on an attempted fraud transfer through XXXX to an individual with XXXX XXXX XXXX XXXX. He said we needed to walk through a series of steps via mobile banking to ensure we could reverse the transaction. Over the next 20-minutes, he directed me, step by step. I saw what he called alias account information in my name with XXXX XXXX XXXX XXXX and received confirmation emails to my personal account. I also saw the name " XXXX XXXX '' who was attached to the XXXX account. When I asked who she was, he said she was the person to attempted the fraud. As soon as I hit transfer -- which based on what I was looking at was TO MYSELF -- the call dropped and I instantly understood what had transpired. 

I instantly contacted the fraud department at Bank of America and they said they'd open a claim ( a process that takes up to 10 days and holds 45 days for the bank to determine if it was indeed fraud ). I also contacted my wireless provider. 

The next day, I went into a branch location with the screenshots I had taken during the fraudulent event, and faxed them to the BofA Fraud Department. I was told by the branch manager that I had very little chance of getting the funds returned as XXXX makes it difficult to prove, and the receiving bank would have to cooperate ( unlikely if they funds had already been withdrawn ). A truly unfortunate situation, especially as I've banked with this financial institution for nearly 20 years.

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 2019-10-30
Company: North State Acceptance, LLC
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:
Northstate acceptance took this account off of my report. Months later the account was put back onto my account after they voluntarily removed it. Filed a complaint with the cfpb and they stated it would be removed in XXXX. The account is still listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Iver been a victim of identity theft

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 2018-02-15
Company: EQUIFAX, INC.
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:
Equifax is reporting a Child Support Account that do not belong to me. This account is only showing on my Equifax and I I have disputed this account several times. Please assist me in removing this account from my Equifax Credit File. Equifax is also reporting that I made a payment in XX/XX/2018 and I have never made a payment on this account. 


Equifax is also reporting to 2 addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Bayview Loan Servicing response is incomplete and did not provide a sufficient answer to the questions. Please provide the following : 1 ) amortization schedule for mortgage. 2 ) review payment history and match payments in suspense account with monthly payments dating back to XX/XX/XXXX - XX/XX/XXXX BAYVIEW LOAN SERVICING DID NOT REPORT ALL MONTHLY MORTGAGE PAYMENTS MADE and resulted in inaccurate reporting for XXXX Mortgage Interest Statement showing {$4300.00} mortgage interest received - please look at payment history provided in this complaint and cross reference with Bayview Loan Servicing records.

4 ) Please explain how all the below calculations were calculated and reported on The XXXX Form XXXX Mortgage Interest Statement Bayview Loan Servicing reported {$24000.00} - Total Interest Applied XXXX : see below Total Interest Applied XXXX : {$20000.00} Payments Applied to Previously Deferred Interest : {$6300.00} Prepaid Interest Applied : {$2700.00} Net Prepaid Interest ( Current Year ) : {$2700.00} XXXX Mortgage Interest Received from Payer/Borrower ( s ) : {$24000.00} ALL CREDIT BUREAU '' S - Bayview Loan Servicing has not reported Monthly Payments.

IN REGARDS TO THE STATEMENT FROM BAYVIEW LOAN SERVICING THAT THIS A DUPLICATE QUESTION ... THIS IS NOT A DUPLICATE QUESTION AND BAYVIEW LOAN SERVICING MUST STOP USING THE TERM " DUPLICATION '' AS AN EXCUSE NOT TO PROVIDE THE REQUESTED DOCUMENTATION. IT IS POSSIBLE THAT THE HIGH TURN OVER OF PERSONNEL INSIDE BAYVIEW REQUIRES REPEATING THE QUESTIONS BECAUSE IN MY EXPERIENCE THE SAME PEOPLE THAT WERE ASSIGNED TO MY CASE HAVE QUIT OR HAVE BEEN MOVED TO A DIFFERENT DEPARTMENT> THE ABOVE STATED REMAINS AN UNRESOLVED ISSUE. PROVIDE THE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was solicited by Home Depot to open this credit card and used it to purchase some new appliances for my home. I was promised 0 % interest if the principal balance was paid off within two years. I was reluctant at first since I had plenty of money in my bank account but feel I was aggressively persuaded by the store representatives to open the credit card. After opening the credit card and charging the purchase, I made multiple attempts and phone calls to Home Depot to set up automatic recurring payments to ensure it would be paid off within the two year interest free time period. In one of the recorded phone calls I asked verbatim So the automatic payments are set up so it will be paid off within 2 years? and the young lady representative responded Yes. And now, Home Depot mysteriously does not have record of the recorded call and are charging me an absorbidant amount of interest. I can show substantial proof that at the time of purchase then and now, that it is financially feasible for me to pay for these appliances outright with my own bank account. However, due to the unfair solicitation and improper set up of automatic payments and record keeping by Home Depot, they are now charging an exponential amount of interest. I contacted them concerning the issue in XX/XX/2018 and they have no record of that phone call either. So no record of any recorded phone calls and no record whatsoever of my phone call in XX/XX/2018. However, I guarantee that there is a record to show that they set up the automatic payments for me. I have already paid off the entire principal balance and would ask Home Depot to completely remove the questionable interest charges. If this dispute can not be resolved amicably, I will have no other recourse but to seek legal counsel which I would prefer not to do. Kind regards, 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 explanation
Consumer complaint received 2020-07-07
Company: WELLS FARGO & COMPANY
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: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2021-04-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXXXXXX XXXX XXXX has failed to comply with my cease and desist and now Transunion is now in compliance with their attempt to collect a debt by means of fraud and extortion. Cease and desist explains the steps necessary to prevent any further action from being taken. This account needs to be removed from my account immediately being that the company did not provide me VALIDATION. VALIDATION IS AS FOLLOWS : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.

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 2018-04-01
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My account has been locked on coinbase.com early XX/XX/XXXX/late XX/XX/XXXX and I submitted a support ticket early XX/XX/XXXX to find out why and to get it unrestricted. Someone replied to my case around that time saying they would look into it, but now it's been nearly two months without any updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX JG Wentworth transferred my mortgage to Freedom Mortgage. I was out of the Country until XX/XX/XXXX and had not seen the notice. My automatic bill payment sent my XXXX payment to JG Wentworth on XX/XX/XXXX. I called Freedom Mortgage on XX/XX/XXXX to inform them of the mistake and spoke to their Customer Service Agent XXXX who told me not to worry about it that they would eventually get the payment from JGW. Since then I sent my payments to Freedom and they cashed my checks for my payment amount of {$1100.00} on XXXX and XX/XX/XXXX. They have been sending me late notices so I called them and they said they never received the XXXX payment and that I needed to call JGW. I called JGW on XX/XX/XXXX and they told me that on XX/XX/XXXX they sent my XXXX payment in the amount of {$1100.00} to Freedom Mortgage. The JGW agent XXXX ( id # XXXX ) confirmed the check # XXXX and XXXX tracking # XXXX. I sent this information to Freedom Mortgage and yet they continue to call me ( 3 times in the last 2 days ) to demand payment. 

My Freedom loan # is 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 2018-09-30
Company: CITIBANK, N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
XXXX XXXX phone calls are not allowe on Sundays.

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 2020-07-07
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a refinance with Quickens loans. Initially wanted a loan with no out of pocket expenses. When I realized that the cost of the refinance was close to approx $ 8k, I decided to not finance the cost of the loan. From that point on, I had issues. # 1. I ask the agent to re-calculate the loan based on my paying the costs. I only wanted to finance the amount of the payoff. # 2 Approx 2 weeks passed and no such document was disclosed, but my payoff amount changed online. I called the closing team, and asked why I did not receive a redisclousre showing the new loan amount and when I looked at the online summary, the payoff amount changed. # 3 It kept changing, and the loan amount kept changing. The 1st disclosure document I received showed the final dollar amount of the payoff to be {$130000.00}, I asked why would it change. I was transferred to client relations and spoke with XXXX XXXX who stated that figure would change daily. Did not like his attitude, kept talking over me and treated me like the additional funds were minor. I tolde him, it's not the amount, I wanted to know how could the final payoff amount change when it showed the esitmate amount and the final payoff amount for closing in XXXX. We were at least close to 2 weeks before closing. # 4 He could not give me a definitive answer, other than it changes daily. I started watching it daily and it did not change daily. It changed 4 times, from the final amount of {$130000.00} to {$130000.00} to {$130000.00} to {$130000.00}. I belieive because I did not want to finance the cost of the loan, they would recoup monies by changing the payoff amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Credit Karma, LLC
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
XX/XX/2022 Received a debit card from Credit Karma that I did not request. 
When speaking to agents they asked for information to " find my account ''. I hung up and called a different number listed online, they asked for more personal information ( name, birthdate and email ) they stated they would close my account and send me a written notice stating they closed the account. When I called again and asked for the fraud department they stated they did not have a fraud department. 

I checked my credit report and noticed Credit Karma had done 2 soft inquiries on XX/XX/XXXX and XX/XX/XXXX both without my knowledge. I am still not certain whether this is a third party posing as Credit Karma, if this is a promotional service/offer from Credit Karma or if this is a case of identity deft. 

Materials sent are misleading and confusing, have not and will not be doing any business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Experian Information Solutions Inc.
State: WA
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 been disputing the same items off my credit report for the past year almost every single month and Experian refuses to verify and validate the information on my credit report. I have submitted disputes XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX disputing the same inaccurate items off my credit report. I have demanded a reinvestigation into all these items and Experian refuses to do such coming back and saying that the items are " verified ''. Well how are they verified? when XXXX XXXX, XXXX XXXX, XXXX, and other third party agencies are frozen so how did Experian verify this info when they have refused to supply me with the evidence proving this as they are supposed to do per the law? A blanketed statement that can be typed up by anyone is not proof of verification or validation. As they are supposed to supply me with the original form of indebture bearing my written signature which they have not done so. Credit reporting agencies are also supposed to verify info with the original creditor and not inaccurate 3rd party agencies which Experian refuses to do so.

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 2018-04-01
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Half the problem is I have no idea where this came from or why I would owe money to XXXX College when I had student loans that took care of that. MERCHANTS & MEDICAL Credit is trying to get {$920.00} from me and looks like they or someone else has changed report dates as I went to XXXX  a long time ago and shouldn't owe anything at all. Each time I try to get this verified I get nothing and it just says it has been updated when I dispute. I would like this removed from all of my reports and not sold to another creditor as I feel they have been changing dates to up the drop off time. Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-16
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX account # XXXX has been paid-in-full. XXXX XXXX was contacted on three ( 3 ) separate occasions on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to correct information being reported, namely that the account was a " charge-off '' and in a " payment plan ''. XXXX XXXX has been very helpful in correcting the mistakes. Unfortunately, Experian CRA has continued to report incorrect information on my credit report such as " open '', " charge-off '', and " payment plan ''. I have contacted Experian CRA to correct the mistakes but they continue listing the false 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 non-monetary relief
Consumer complaint received 2020-07-08
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I HAVE NO IDEA HOW THIS ACCOUNT GOT ON MY CREDIT. SOMEONE IS USING MY IDENTITY. THE CREDTI BUREUAS ARE FURTHER VICTIMIZING ME BY REPORTING THESE FRAUD ACCOUNTS. I HAVE NO IDEA WHERE THESE INQUIRIES COME FROM. THEY ARE NOT MINE AND SHOULD NOT BE ON M Y 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 2020-05-08
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I paid my mortgage in XXXX over the automated system as I always do. It wasnt until I was paying for XXXX that I noticed, and it indicated that I had not paid for XXXX. Called to get info about it because I had done things as usual. It was also in XXXX that I noticed the automated system was different. I inquired had they been getting a lot of calls regarding this problem. I have not been late nor was I late in paying my mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have been in contact with Transunion and XXXX  about hard inquiring that I did not authorize. I have explained to them that I did not authorize these transactions. Both told me to contact the company and see what information they had. None of the companies had any information with my name or social security number attached to it. I then called them back and they are still asking me to do the same process that was already done. I feel like I have been treated unfairly abs discriminated against. 
XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/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