BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
CMS purchased my loan from XXXX in XX/XX/XXXX. 
CMS did not give correctly tabulate my escrow account. 
They raised my mortgage payment by $ 65.00+ in XX/XX/XXXX I called them and tried to advise them of their error. 
They insisted there was no error and refused to make a correction. 
In XX/XX/XXXX they completed an escrow analysis, and again, they did n't tabulate my escrow account correctly. 
I should have an $ 1,075.00+ surplus. 
CMS incorrectly calculated my surplus to be {$10.00}. 
I reviewed their analysis and noted they paid my USDA annual fee amounting {$1200.00} twice by mistake. 
I asked them why and they said its because it was never paid in XX/XX/XXXX. 
I obtained my last escrow statement from XXXX which clearly shows they paid {$1200.00} in XX/XX/XXXX. 
CMS refuses to acknowledge their mistake and refuses to refund my money. 
I have included objective supporting documentation to corroborate my contentions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Worst banking experience. BofA customer service got from bad to worst, they all care is ripping customer off with their fees which the gobernment agencies must take care. It is not fair that the banking industries makes billions of $ from peoples hard work thru these type of fees.

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 2021-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Someone hacked the phone of a good friend of mine and I didn't know that was possible and I was scammed. I Totally trust in my friend and the guy behind this hacking asked me if I can transfer {$980.00} to an account. he was not able to transfer money himself because he said he could not transfer because he already transfer the daily limit. He said he would return the money later the same day so I decided to help him because I trust him. I transferred the money to the account that he told me ( XXXX account ) and after that he asked for more money ( {$1700.00} ) to transfer to another account and I said that was too much money and just can help him with XXXX more but I started to suspect that someone took his phone to scammed me. I called him after that and he answer and it was a guy who was not my friend because I recognize his voice so I didn't transfer the other part. I hang the phone and immediately call the bank ( Bank of America ) to cancel the transaction but they told me that is not possible but they will make the claim but they don't assure me the money return. I attached the proof of the conversations in XXXX, the call I made when I suspected that I was not my friend asking for the transfer and also the proof of the change of phone number that my friend had to do because of the hacking. The conversations are in XXXX so I hope is not a problem for you. I really hope you guys can help me in this matter. 

Thank you in advance

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 2022-03-01
Company: CITIBANK, N.A.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a Citi checking account to receive the Welcome Checking Cash Bonus Offer, and funded it on XX/XX/XXXX. I maintained the account balance through XX/XX/XXXX. 

I reached out to Citi on XX/XX/XXXX to confirm I was correctly enrolled in the bonus program, and a Citi representative told me verbatim : " Terms : The bonus will be credited to the existing Account within 90 calendar days from the date when the client completed all required activities ( Opened Account, deposited with in 20 days from Account Opening and maintained for 60 days ) 60+90 days Basically. '' I have attached screenshots of the conversation. 

I reached out to a second Citi representative on XX/XX/XXXX because it had been more than the 60+90 days referenced by the first Citi representative, and I still had not received my bonus. The second representative agreed that I had met the terms of the bonus offer, and offered to file a dispute on my behalf. I have attached screenshots of the conversation. 

I received an email from the Citi Client Care Team on XX/XX/XXXX, stating that they had researched the matter and I did not qualify for the bonus. I am a bit flummoxed, as I know that I fulfilled the bonus qualification requirements and have effectively had two separate Citi representatives confirm the same.

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 2019-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 check my credit and realize that my identity had been stolen and accounts had been opened without my knowledge, recent data breaches has exposed my personal information, please block these items that do not belong to me, thank you.

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 2019-05-14
Company: EQUIFAX, INC.
State: NY
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 check my credit and realize that my identity had been stolen and accounts had been opened without my knowledge, recent data breaches has exposed my personal information, please block these items that do not belong to me, thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14
Company: Ad Astra Recovery Services Inc
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was told that I owe a Payday loan that I never had. I called the company and they said they have no record of it. I called the number on the letter to the collector and the said it is for {$1200.00}. I never took out this loan at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: VW Credit
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I leased a vehicle from Volkswagen in XX/XX/XXXX, and purchased an Excess Wear policy from Volkswagen at the same time. 

When returned the vehicle in XX/XX/XXXX Volkswagen failed to apply my final lease payment to my account. They also applied {$270.00} of excess wear fees to my account instead of claiming those from the policy they sold me, and they refused to provide me with documentation I needed to make that claim myself. 

In XX/XX/XXXX they referred my account to a collection agency, with the final lease payment ( that I already made ) still uncredited and with the {$270.00} excess wear still uncredited. In XX/XX/XXXX they finally corrected the final lease payment, 8 months after I paid it. But the account was already in collections, and at the same time they introduced a new payment that they had never before billed me fore. In XX/XX/XXXX they finally mailed me the documents needed for making a claim on the Excess Wear policy. 

My demand now is that Volkswagen Credit recall my account from the debt collection agency, recall any reports of overdue or delinquent payments from any credit reporting agencies to whom they have reported this, issue a written apology to me for their inept and malicious handling of my account, and if they believe I still owe them something, deal with me directly in a constructive and responsive manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-31
Company: Experian Information Solutions 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:
This letter is in dispute of the XXXX XXXX 30 days late payment that has been reported for XX/XX/2021. 
XXXX XXXX has reported that my XX/XX/XXXX payment was not paid on time. The image below shows the receipt I was given on XX/XX/XXXX when I paid the bill in my local store. It wasn't until my XXXX statement that I was made aware that XXXX XXXX did not process the check and reversed the payment of the XXXX statement making the payment >30 days late. When contacting the XXXX XXXX finance department they claim the check did not process, could not give a reason why and said that I would have to provide a canceled check in order for them to remove the negative credit report because it wasn't their mistake. Since my bank never received the check for payment I can not have a canceled check. Clearly it was XXXX XXXX issue since they received the check and provided the receipt and XXXX balance until the next month when the reversed it. My bank has also confirmed that the check was never processed or presented for payment. It is clear that XXXX XXXX lost the check somewhere between their store and the payment processing and is trying to collect on a mistake they made. This is an unfair credit reporting issue and I am demanding that this negative report be removed as soon as possible. The attached documents below show the receipt and Bank statement.

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 2019-01-28
Company: MRS BPO, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with fraud alerts or security freezes

Complaint:
Collections by MRS acct # XXXX, identity fraud. Other fraudulent names listed on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Skopos Financial, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I XXXX XXXX XXXX state that I have no knowledge of or admit to ownership of any account with Skopos. I do not believe that this account is mine and believe that it is being reported inaccurately on my credit reports. I have never been presented with any documentation showing ownership of this account nor was I ever given notice that it was going on my credit and would be damaging to it. Nor was I given notice that I had a 30 day window to dispute this account in the beginning. Nor any documentation on instructions for redeeming the vehicle. Furthermore the account is full of inaccuracies reporting to my bureaus. The account claims to be " open ''. But this vehicle has been repossessed and sold at auction since mid XXXX, yet it is still reporting negatively on my bureau reports monthly. 
Also it says last payment date on XXXX of XXXX, XXXX XXXX. How can that be when the vehicle was repossessed in mid XXXX? 
Thirdly it shows as a joint account. With who? That is wrong. I have never had a joint account with anyone. 
Fourthly ... XXXX reports the account as being " open '' with {$0.00} total balance and {$0.00} past due. 
But XXXX has the account as " open '' with a {$6800.00} total balance and {$3900.00} past due. How can the same account be showing different information and amounts? 
This shows that this account may be possible ID Theft or fraud. 
So why is it remaining on my credit reports to this date. I've attached in this complaint a copy of my XXXX & XXXX  credit reports showing false information. And a copy of the cease and desist letter sent to the company directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I XXXX XXXX XXXX state that I have no knowledge of or admit to ownership of any account with XXXX. 

I do not believe that this account is mine and believe that it is being reported inaccurately on my credit reports. I have never been presented with any documentation showing ownership of this account nor was I ever given notice that it was going on my credit and would be damaging to it. Nor was I given notice that I had a 30 day window to dispute this account in the beginning. 

Furthermore the account is full of inaccuracies reporting to my bureaus. 
The account claims to be " closed/charged off ''. That means sold to someone else. So why is it remaining on my credit reports. 
Secondly the amount claimed owed is incorrect. 
Third ... .how do you owe any amount on a charged off account? 

I've attached in this complaint a copy of my Experian credit report showing false information. And a copy of the cease and desist letter sent to the company directly.

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 2021-03-08
Company: Broward Adjustment Services
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HI ; this is HIPPA violation? XXXX tests, etc??? Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: NATIONWIDE ADVANTAGE MORTGAGE COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I need assistance in obtaining a cancellation of the security deed with Nationwide Advantage Mortgage. The mortgage was paid off in XXXX. XX/XX/XXXX, I applied for a home loan and found that the title was not clear. The loan officer at XXXX Bank and myself have tried to found someone who could help ... to no avail. The account has been transferred to XXXX XXXX. Since the account is not active, they can't provide any assistance. I do have in my possession two letters from Nationwide stating that the loan has been paid in full and a release would be sent to the recorder office.

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 2021-03-08
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX XXXX : Account # XXXX Hey guys, I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 doesn't accurately report to the credit bureaus and will not fix their issues when a consumer contacts them to resolve the issue. I leased a new vehicle through XXXX XXXX. I returned my original XXXX XXXX XXXX and a payoff check from the dealer was mailed out to them for the amount of {$1300.00} to cover this. The check was received by XXXX XXXX on XX/XX/XXXX but was not credited to my account until XX/XX/XXXX. My original due date for my payments remaining on the lease was XX/XX/XXXX. Because I purchased this new lease I contacted XXXX XXXX to validate if anything was going to occur to my credit report since I was 2 days late. This was even prior to the due date lapsing. I was told they only report at 30 days past due. Once they received the check and credited to my account, they still left my account in a past due status. This was after my inspection for no damage on my return vehicle and when they waived the early termination fee or disposition fee since I leased again through them. I was told that the account would show past due even though they were paid since it is a " retail account '' and wouldn't be removed from the online portal until the car sold at auction. I took them at their word and left it at that. They neglected to ever update my credit report with the credit bureaus and left the {$1300.00} balance out there for over 2 months since they were paid off. I filed a dispute with Transunion and XXXX hoping that they would address this issue. XXXX XXXX then reported back to Transunion that I was 30 days past due for the {$330.00} dollar amount that would have been a normal payment. This is not accurate information. When I attempted to contact XXXX XXXX via phone, after I had discussed all the logistics of my current lease with them over 10 separate calls, I was told that my account is not showing past due and that they didn't report that information to the credit bureau ( Transunion ). They said I would have to follow the normal dispute process to get this fixed and would not forward me to anyone that could properly address the issue. As a consumer that re-leased through them, always paid on time and made every attempt to prevent this, an issue still occurred.

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 2021-03-25
Company: Chime Financial Inc
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/21, I opened an account -- a " spending '' account with Chime. This is not an ordinary checking or savings account, and as I understand, not FDIC insured. 

I reside in Colorado but am receiving unemployment from NY. I set up my unemployment to go to Chime ( they were offering a bonus for this ). 

The funds were deposited by NY XXXX XXXX XXXX on XX/XX/21. On XX/XX/21, I got an email from Chime saying that my account was suspended snd I was locked out of it for suspicious activity. 

I was asked to send my photo ID, which I immediately did. I called, and they were unable to assist me by phone, but w me that I would hear frim them by email. 

They response ( not acknowledging the ID I had already sent ) again notifying me that my account was suspended, and asked me to send three things -- 1. A photo of my Driver 's license with me holding it. 

2. Proof of my address ( I sent a utility bill ). 

3. My 1099 with my current address from NY XXXX XXXX XXXX. 

I sent all of these documents -- TWICE -- on two consecutive days ( most recently yesterday XX/XX/21 ). 

Today I got a notice that my account had been permanently suspended and will be closed. 

What concerns me is that they also said it is " non-refundable ''. I am very concerned that they have funds of mine which I can not access, and I have not been able to gain assurance that they will be sending me a check for the money that is in my account. 

There are multiple accounts of this abhorrent behavior with Chime, and this is why I am reporting them. What they are doing is just reprehensible. I

Company response to consumer: Closed with explanation