BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
Hi : I have set my auto pay of my BOA credit card as statement balance. My Last Month 's Balance for my BOA credit card is around {$9600.00}, it is not a small number and I do not want to keep large amount of money in my chase checking account for a long time, so I choose to pay the full statement balance manually in advance from my chase checking account. But BOA auto pay submit a payment request for the same amount again. It is very insane to charge me {$9600.00} when my current balance is XXXX.

BOA auto pay is very inconvenient. It does not have option of remaining balance while other banks ' credit card has such option. If I pay manually, the auto pay will pay again. I called BOA customer service and they said they can not cancel the payment from their side when it is in pending status. I called chase and they said they can not stop the transaction without paying {$30.00} stop transaction fee. I can not find an option to stop the transaction without pay some fee. Although BOA promised me to refund me when the transaction get posted, payment statement balance twice affects my cashflow. It is like I lend money to BOA and they do not pay interests to me. I believe this is not only a problem for myself, since BOA auto pay do not provide remaining balance option, many other people have paid statement balance twice if they choose to pay manually before the date of auto pay. BOA borrows money from their user without pay any interest, which is very inreasonable. 
I will call BOA later to refund me the money after payment get posted I have two request to prevent the issue in long term : 1. BOA make it possible to cancel pending payments for their customer service team 2. BOA add remaining balance to their Auto Pay in Mobile App Thank you very much Best regards, 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 monetary relief
Consumer complaint received 2021-11-07
Company: WELLS FARGO & COMPANY
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:
My identity was stolen by my XXXX. I alerted you all of this. I filed a police report, placed freezes on all credit bureau 's. The initial response was that an investigation indicated that the account did belong to me and there was no evidence of fraudulent activity on the account. Your company is right about the owner of the account. However, my personal assistant at the time, my younger brother, had access to my financial data. As apart of his job he ran errands for me that included him making purchases. Running to get me coffee, buying a piece of furniture my interior design business, etc. He had access to most of my accounts. This account was a major account that he had access to. I urge you to remove this derogatory remark from my report as I continue to work with the FTC and local law enforcement to protect my identity.

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 2018-01-30
Company: AmeriHome Mortgage Company, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since refinancing my home load with Amerihome Home Mortgage in XXXX, I have never missed a payment. In XX/XX/XXXX, I missed the payment. I am SURE that I went online to pay it ; but for some reason ( whether I didn't hit " submit '' or whatnot ) the payment was not made. 

I didn't realize that I have missed the payment ( again, I'd never missed one before ), until I went to pay my XX/XX/XXXX payment only to find that I owed 2 payment. Since I was unable to make two payments at that time, I paid my normal monthly payment, expecting to be able to " make up '' the balance prior to my XXXX payment being due. 

In mid XXXX, I again signed on to the Amerihome Mortgage website to make a partial ( half ) payment - only to find that it was impossible. I could not enter any amount accept the full monthly total. I then called Amerihome, only to find out that the customer service would also not accept a partial payment. I was passed around to several " service reps '' who each told me that a partial payment could not be accepted. 

I " saved '' my half payment - having to wait until my next paycheck. That paycheck falls on XX/XX/XXXX. I called Amerihome again to ask whether or not they would once again report my " delinquency '' to the credit bureaus - because I will have missed the " cut off date '' by one day. They happily said " yes! we report it immediately after 30 days! '' I find it incredible that a national mortgage company does not accept partial payments, not allow consumers to rectify an obvious mistake by making partial payments or avoid another serious black mark to their credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 a withdrawal was made at an ATM on XXXX XXXX XXXX XXXX XXXX for {$500.00}. It cleared by bank ( BBVA Compass ) on the same day. My ending balance on this days {$2700.00}. I have a statement from BBVA to show this.

I have a statement from PNC Bank which took over BBVA Compass showing the beginning balance on XX/XX/2021 with the was {$2700.00}. 

Only one ATM withdrawal in that amount and from that ATM was made between XX/XX/2021 and the present day ( XX/XX/2021 ). 

On XX/XX/2021 the PNC Corporate offices deducted another {$500.00} in error ( same withdrawal from XX/XX/2021 ) from my account. At that time my account had a balance of {$1.00}. As a result my checking account went into a negative XXXX. 

I have tried since that day to speak with someone at the bank to get the issue corrected. My husband actually went into the bank on XXXX XXXX in XXXX, Florida on XX/XX/2021. The bank manager advised him that she could see it was a duplicate withdrawal, but all she could could was file a dispute which could take 10 working days to resolve. 

I have called the bank many times and I am unable to do anything. I was able to withdraw my deposits from our employers that was made on XX/XX/2021 minus the {$500.00}. 

At this point I have become convinced the {$500.00} is never going to be put back into the account so that I can close it out and never attempt to bank with this financial institution again. 

I am asking for your assistance in helping me recover the money that is rightfully owed to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-15
Company: WELLS FARGO & COMPANY
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
A car was bought in XX/XX/XXXXand payments made every month fast forward to XX/XX/XXXX I am being accused of a missed payment ( which did not happen ) my bank forwarded proof and they refused to acknowledge it. My bank after looking into it thinks it is an error on their end. I have proof of every payment made on this car. This bank is harassing, and threatening and should not be in business, they are ruining people 's lives. MY PROOF WILL BE SENT VIA MAIL TO YOU. As you may have guess it is WELLS FARGO BIGGEST CROOKS IN THE NATION.!!!

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 2019-01-15
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: Information is missing that should be on the report

Complaint:
On XX/XX/2017 I placed a fraud alert and the number I have on fine is the wrong one so when I called to updated they did update it and now that am checking they did not the right number should be 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 2018-01-30
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2018 Chase bank made an automatic payment out of my credit union account which they have in file for the amount of {$190.00} despite of have another payment for {$200.00} coming in from another Chase checking account on the same day. I spoke to both banks and the XXXX XXXX XXXX  explained that Chase bank requested a payment and due to not enough fund on my credit union account Chase cancelled the payment. I explained the situation to Chase customer service that the automatic payment was off long ago for more than a year and it was obvious that the payment wasn't meant to be since I had scheduled another payment on the same day. I requested to look at the payment activity that it will be crazy of me to switch on the automatic payment knowing I don't have enough funds on the XXXX XXXX account. Chase only agree to turn off the automatic payment off and say sorry for the insufficient fee from my other bank I have to face for some kind of glitch on Chase end.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
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 was XXXX  for five years. I was released XX/XX/XXXX from XXXX XXXX XXXX I ran my credit and I have no knowledge of these accounts, nor did I give anyone access to any of my personal information while gone. I also filed a police report because of this issue. I also uploaded all proof of police report and proof of my XXXX. Below is the accounts. 


Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR XXXX XXXX XXXX XXXX XXXX XXXX, TAPE ONLY, XXXX XXXX, SD XXXX ( XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY XXXX GRANTOR Transunion XXXX XXXX XXXX XXXX XXXX XXXX, TAPE ONLY, XXXX XXXX, SD XXXX ( XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTO XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX Date opened XX/XX/XXXX Account Collections Capital XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX ) XXXX Status : Charged off as bad debt Experian XXXX XXXX CO XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX XXXX Opened XX/XX/XXXX Status- Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department XXXX XXXX BANK XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR XXXX XXXX Orignal XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX opened XX/XX/XXXX Account status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ONLY, XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTO

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 account balances are not reporting correctly on a few of my accounts in my credit file.

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 2021-11-07
Company: Incomm Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2021 I placed an order with XXXX and paid with my XXXX.XXXX  prepaid Visa card. The order amount was for {$26.00}. However, when I checked my account history at XXXX I saw that {$31.00} was charged to my card. I called XXXX on the same date, XX/XX/XXXX, to inquire about this. I spent close to an hour on the phone with them but they could find no record of a {$31.00} charge and suggested I reach out to XXXX 

I called the customer service number for XXXX, XXXX after hanging up with XXXX. At that number there is no option to reach a human being. I tried every option they had but could not get a live person on the phone, and none of their prompts were able to help me with this issue. 

Thinking that maybe there was some other fee that XXXX could have charged me I consulted their fee structure for the type of card I have. I saw the {$1.00} transaction fee that I already knew about and was charged to my account separate from the {$31.00} charge but XXXX has no other listed fee that would explain the missing money. {$5.00} is not an amount typically used for a fee anyway. 

My complaint is against XXXX, but am not specifically sure what I should complain about. I do not know if they charged me a hidden fee of {$5.00} or not because I can not get them on the telephone to ask about this. I suppose my complaint is that they do not have live customer service nor an option to dispute a charge on an account, and also that they potentially charge hidden fees. 

Somebody charged me an additional {$5.00} and I want to know who and how this happened, but XXXX has no live customer service. That is not a good way to do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: Spring Oaks Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have no idea who these people are they just appeared on my credit report and been calling my phone early in the morning before XXXX with threats of ruining my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have disputed inaccuracies on my credit report to experian multiple times over the past year including in writing in XX/XX/XXXX, as well as electronically. XX/XX/XXXX I received dispute results Report # XXXX. Items stated as deleted are still showing on my credit report as of XX/XX/XXXX. 
XXXX XXXX acct # XXXX XXXX was not my responsibility, and after self research I found this account to be closed, with a XXXX balance yet is showing on my report causing me financial detriment. I am requesting all items in collection be removed as they are not mine, nor has Experian provided any validation information on said accounts as requested. I also requested the removal of many hard inquiries not authorized by myself. 

Your kind and prompt attention is greatly appreciated. 
Sincerely 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 2021-11-07
Company: CREDIT ACCEPTANCE CORPORATION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
OnXX/XX/XXXXMy XXXX XXXXXXXX XXXX was totaled in an accident that was the other drivers fault, my insurance company XXXX paid the value of my vehicle leaving portion remaining to my Gap Insurance Purchased at the time I financed my car from XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Nevada. Finance With Credit Acceptance. I have sent all documentation requested by Credit Acceptance Finance and they have yet to settle the claim. I purchased the Gap Insurance and when asked to discuss this insurance i am transferred to a representative that does not even have an insurance license to discuss the matter of the policy. Credit Acceptance continues to report a late payment on a totaled vehicle they will not cover, or charge off purposely causing harm, as their bogus GAP insurance does.

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 2019-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
ATTENTION REGARDING XX/XX/2018 THIRD PARTY REIMBURSEMENT transaction on my XXXX sole account XXXX XXXX XXXX XXXX XXXX XXXX nd  XXXX XXXX bank OF America allowed a third party the capability of accessing my account without my permission or knowledge. 
I just got hung up on by XXXX at XXXX boa customer service while being placed on hold for 25 minutes. then I was told she could not access my 2018 info and then I asked her again to tell me WHO IT WAS THAT BOA let have third party access to my account. She said she did not know and hung up on me XXXX XXXX and Mr XXXX of boa regulatory admit to the third party transaction but brush it off as it WAS only {$15.00} .... 
Mr XXXX XXXX and XXXX XXXX and XXXX XXXX were advised numerous times that I needed the third party info but to date will not disclose the info. 
I still have not found out who transferred my life savings and settlement monies but knowing who bank of America let have third party access to make any type of transaction to my own sole account is certainly helpful

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 2019-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This account was open in 2010 and was paid in full, still shows in my credit report as a negative impact and i am trying to remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: BARCLAYS BANK DELAWARE
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:
My Barclay XXXX  XXXX  credit card account ( XXXX ) was opened in XX/XX/2021. Since the opening the account, I did not receive any paper monthly statements or any paperless monthly statements ( i.e. email notification ) from Barclays Bank since XX/XX/2021. The only notification from the bank was a text message on or around XX/XX/2021 regarding the account. I immediately contacted the bank and was informed of the past due balance in the amount of {$49.00}, including late fee of {$39.00}. I immediately sent in the full payment in the amount of {$49.00}. The payment was posted on XX/XX/2021. 

Since Barclay did not provide any paper or paperless statements ( e-notification ) for the period from XX/XX/2021 to XX/XX/2021, I did not received proper notice of the amount due and the payment due dates. When Barclays reported that my account status was " delinquent and past due for 30 days '', such reporting was inaccurate. Had I received proper paper or paperless statements, I would have paid the outstanding balance before the due date. Based on the fact that no paperless statement was sent to notify me of the balance due date, the negative information reported to the credit reporting bureaus is incomplete and unverifiable information. 

I believe that it is unethical for Barclays Bank to report such negative information when the bank mistakenly did not send me any paper or paperless statements, to properly notify me of the outstanding balance and the due date. 

I have excellent payment record for the last 40 years. I always paid my balances on time, as long as paper statements or e-notifications are properly sent to me. Such negative information from Barclay is detrimental to my credit rating, with a substantial credit score drop of XXXX points, from XXXX to XXXX currently. 

Your prompt attention to resolve this matter is greatly appreciated. 

Best 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 2021-07-15
Company: USCB Corporation
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2021-06-02
Company: Westlake Services, LLC
State: VA
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 have paid off the amount with third party creditor. Creditor refuses to remove debt and is asking for more money

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