BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Today, XX/XX/XXXX I used Bank of America 's login to send money to an individual to purchase tickets to a hockey game. The price for two tickets was {$200.00} total. I logged in to Bank of America to send the payment through their app called XXXX. Per their website this is intended to " Securely send or receive money to/from others using only an email address or mobile numberno account numbers needed. '' I used this to forward the {$200.00} to the individual. After it was taking a little while to get the tickets emailed I decided to look into this further. I used a fake email to email the same guy and ask for the tickets. He agreed to sell them to me again though I had already paid him as the real me. So I knew it was fake. 

I called XXXX and was told there was nothing they could do but I should call BOA and speak with them. I spoke with BOA and was told that the payment says it is processing but has already been sent. The lady I spoke with indicated that since I authorized the transaction there was nothing BOA could do. I have an issue with BOA falsely advertising their product as a " secure '' way to send money. XXXX also indicates that they are a secure way to send money and back that up as indicated by protecting the user if fraud occurs. Buried deep in the TOAs does BOA finally say that this isn't protected. Please note that it doesn't say this anywhere in the process to send money and I only found it after I XXXX  this and had to really hunt. I would like BOA to refund or charge back the {$200.00} as requested. I would like them to back up something that they promote within their own website as being safe and secure way to send money. 

Please also note as quoted from their website : " Is it secure? Yes, with our BOA Mobile Banking Security Guarantee, you are protected by the same security you're used to where you will not be liable for fraudulent transactions ( when reported promptly ) and we will help keep your information safe. '' This transaction is now fraud due to the fact that a service was offered and then not provided.

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 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2018-05-23
Company: Netspend Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I received a XXXX XXXX XXXX in the mail on XX/XX/18. I did not apply for this card, and the card that I received was not promotional - it is a legitamite prepaid debit card. 

It was mailed directly to my home address, and the pamphlet encourages me to sign up for direct deposit with XXXXXXXX XXXX, and includes a routing and account number. 

I have never heard of XXXXXXXX XXXX and again, I did not apply for this card. I am concerned about why this was sent to me, this companys actions, and how to fix this. 

Warm regards

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 2019-03-28
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There was a debt was on my XXXX account in XXXX of XXXX of {$960.00}. I disputed it online and with a certified letter, and within 30 days it was removed. The creditor, Ability Recovery Services, and the credit bureau has now reinserted it back on my credit as of XXXX, XXXX XXXX, and I was not notified of the reinsertion. I spoke with XXXX, and they understand that it has been reinserted and that I was not notified, but refused to remove it from my report. Ability Recovery Services, and the original creditor has never sent me a bill, statement, or documents stating that I owe this. I have no proof that this is my debt whatsoever. Furthermore, the dispute agent from XXXX seemingly accused me of this debt, stating that either it was indeed mine, or I was victim of identity theft. Either way, this was reinstated and I was not notified in writing within the 5 day time period. It is now XX/XX/XXXX and this was reported XX/XX/XXXX, so they have had plenty of time to send me a letter, but when I spoke with them, they disregarded that and stated they would only dispute it again.

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 2020-05-11
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi Im trying to refinance my apartment so wondering if I would qualify for any programs available. I requested a mortgage modification with SLS  so that could allow me to continue to make my mortgage payments. My loan was approved in XXXX. It is a Hybrid-LIBOR ARM with a floor of 9.7 % and a ceiling of 16.7 %. The current interest rate is 9.7 %. My monthly payments are {$1500.00}. In XXXX, XXXX, I became unemployed due to a benefits dispute between my employer and some of its employees. Since then, I have been XXXX and in XXXX, I decided to start up a XXXX XXXX XXXX XXXX. However, due to the start-up costs and complexity of the business, I was not able to generate any significant sales in XXXX. I also have not generated any sales in XXXX and the COVID-19 pandemic has significantly impacted my situation even further both professionally and personally as I am dealing with XXXX like lots of us. I recently applied for the Pandemic Unemployment Assistance ( PUA ) and Federal Pandemic Unemployment Assistance ( FPUC ) to help me with my monthly payments. However, my mortgage payment and condo fee will consume more than 55 % of this benefit. My credit score its excellent and they told me I would have to stop paying in order to qualify. I appreciate the time and hope to get a phone call with options if possible-THANKS AGAIN

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 2021-09-02
Company: Shellpoint Partners, LLC
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:
New Res-Shellpoint Mortgage had marked me 30 days in XXXX of XXXX after being assured I was not going to have a late payment recorded as my loan transitioned from a repayment plan to the NY cap and extend. They claim I called and suggested I wanted a repayment when in fact I have multiple emails back and forth demanding the deferment of the forbearance that I was led on to believe I was getting after the 1st deferment they gave me back in or around XX/XX/XXXX. After the 2nd extension of forbearance was completed ( 3mos later ) they said not to apply for a deferment until the forbearance was totally completed as you can only be granted a total of 2 deferments total.

After being told we had reached the maximum months allowed in forbearance ( I was told over taped conversations which I requested all my called dating back 6mos on XX/XX/XXXX with XXXX XXXX ; a supervisor and never received. See attached ) I was told for the 1st time, " THEY WILL NOT AND/OR COULD NOT DEFER MY PAYMENTS THAT WERE IN FORBEARANCE AND I EITHER HAD TO DO A REPAYMENT PLAN OR COMPLETE MODIFICATION OR FACE FORECLOSURE ACTIONS IF IT REMAINED UNPAID ''. 

It was at that time that I decided to choose the repayment plan which I believe started in XX/XX/XXXX. So, immediately after making a voluntary down payment of {$4500.00} to bring my payments down which I believe was due in XXXX, I found out I was eligible for the cap and extend program which I was just told ( again emails with shellpoint and phones show ) I was not. I immediately sent my rep, XXXX an email which he acknowledged and stated on XX/XX/XXXX ( email attached XXXX, that he was just needing his processing group to close out the repayment plan and open the automatic cap and extend and we would be all set. So, he eventually did that in XX/XX/XXXX as I waited and called and emailed throughout the month of XXXX to make sure I wasn't going to be reported late for XXXX, to no avail. XXXX passed by with the mortgage company delaying my file until finally issuing the cap and extend in late XXXX with a payment due date of XX/XX/XXXX. I quickly executed the agreement called to make that XX/XX/XXXX payment and was told to wait until the agreement was confirmed and uploaded which it was days later and I made the payment on time for the XX/XX/XXXX payment in the month of XXXX. I was never able to make a payment in XXXX because there was never a payment to make that month. So, to be reported as 30 days late for XXXX is in error as the mortgage company dropped slowed, delayed or was incompetent in getting me my paperwork in time. 

I want the 30 day late removed immediately.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: ENCORE CAPITAL GROUP 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 have tried to clear this collection with Midland for almost a year now. I do not owe the debt to synchrony bank. 

Midland Funding Llc Opened XX/XX/2015 + {$2700.00} Original creditor : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
i am 7 years relationship customer with chase never pay late even once .but chase close all my account include a new ba airline credit card i even recieve at all and chase still charge me XXXX fee for the card i even touch.chase ask me pay for the fee first and promise refund me but it been 2.3 month already .i still dont see any refund.as a customer for 7 years never pay late with good credit history and good payment history.chase close all my account for some ridiculous risky reason like too many account and too much credit line as the superior told me over the phone. they dont even listen to me some of the account is from my family i am just additional user.this is not reasonable for me at all.they close 2 of my oldest credit card and leave some credit card close by bank on my report. this is really impact my credit report and my credit history.i hope chase can refund my fee and re open my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-21
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Mortgage applying process was such a nightmare with citibank as first time home buyers, that costed me my savings, time, energy caused me immense mental and physical stress and at the end we found out that my loan was denied which lead me to lose my dream home. 

I started my new home loan application with XXXX XXXX with Citibank in CT as referred by another realtor. To start with, everything was on the phone because of COVID so i emailed all the pre approval criteria ( all the docs they needed to start my paperwork ). 

On XX/XX/XXXX my conversation started all via emails when i had a pre approval letter with more documentation. 

On XX/XX/XXXX I received my welcome letter after a immense efforts to reach my contact person ( XXXX XXXX ). 

On XX/XX/XXXX a day before our closing on XX/XX/XXXX, we tried to call XXXX XXXX to know whether everything good as planned and that is when I accidentally found out that my loan was denied. 

Earlier Citibank personnel assured that all the paperwork is in place and I had nothing to worry about, so I terminated my lease to my current apartment accordingly to move into this house as planned. We underwent the inspection, appraisal, title ( with our attorney ) which cost us quite a chunk of money. Just before the closing date, I happened to call XXXX and at that phone call he mentioned that I was denied, and at that moment I really felt scammed, ridiculed & humiliated. They cornered me to put more money down to get an approval even though I was upfront with them from the start that this is what I can afford. 

Finally I dont have a home because of Citibanks incompetency, lack of communication, irresponsible people that had no remorse but were just pointing fingers and no denial letter till XX/XX/XXXX for me to present to my attorney or to the listing agent. We would like someone who could help us and look into to this situation, so that no one ever has to go through such an ordeal again.

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 2018-05-23
Company: GREAT LAKES
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
hello, I received a letter promising " student loan consolidation & payment reduction program '' in the mail which I stupidly fell for. The top left of the letter says " FINAL NOTICE, contact XXXX, Assigned dept. Preferred Doc Solutions, NOTICE DAY : XX/XX/2018 '' The letter also informed me to login to my XXXX  ID account, which did not work so I called the number on the letter ( XXXXXXXX ) I talked with a man who convinced me that I would need to change my XXXX password, which I game him my new password. I gave him all of my information because he told me he worked for the Department of Education and I foolishly believed him. He received my social security number, drivers license, address, parents address, and all of my XXXX information. After hearing his promising proposal of completely bringing my student loan debt down to XXXX dollars, I stupidly electronically signed a bunch of stuff that he sent in an email and then gave him my debit card information so that I could pay the " fees '' relation to the loans being completely forgiven. 

He then put me through to a different woman who confirmed all of my information and told me she was sending me a " welcome packet '' with information that I would have to return back to them " immediately ''. 

I shouldn't have fallen for this scam, but the .gov website and being told that this man was a department of education employee really had me convinced.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: CITIBANK, N.A.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Wrongfully charged for payment protector service I did not authorize.

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 2018-06-22
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I noticed on XX/XX/XXXX that my credit score dropped ten points due to the professional bureau of collections posting a deragatory collections account on my XXXX credit report in the amount of {$440.00} dollars. The account was opened XX/XX/XXXX per the collections information on the XXXX report. 

I instantly knew this information was inaccurate because I paid my XXXX collections bill in XX/XX/XXXX. I contacted the credit bureau to file a dispute. And after 24hrs I decided to call the Professional Bureau of Collections myself and tell them to remove the already paid account. I spoke with a guy who immediately said he would take the derogatory collections account off of my credit report but it would take 60-90 days. At that moment I asked if he could provide me a letter confirming in which he stated he couldnt. I also asked if h could expedite the process he repeated and said it will take 60-90 days.

The problem is The Professional Bureau of Collections bought this already paid collections account and did not contact me via mail or phone to tell me about this collection nor tell me that I was able to dispute it. Instead the account was sold to them and they proceeded to put it on my report and not take it off for 90 days. 

Because of their wrongful actions I was unable to get a company credit card because of this recent collections on my report. This has caused me emotional distress and embarrassment at my job, also financial loss taking the time to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: AMERICAN EXPRESS COMPANY
State: WA
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:
I got an AMEX Gold card that carries an annual fee of {$350.00}. I closed the account before the promotion ( 1st year fee waived ) ended in early XX/XX/2018. But I was billed for the annual fee AFTER the acct has been closed. I have called AMEX after received the bill, and AMEX promised to stop the erratic bill. It has been over a year since then, and I still receive the bill for {$350.00}, yet the bill shows that the acct has been closed. I called AMEX last month, the rep claimed that the fee can't be waived. I requested to speak with his supervisor. He told me that his supervisor will call me within 24 hours. The call never came, and I still continue to receive the bill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-29
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
As of XX/XX/2018, we have made 3 requests via phone to Bayview to cancel PMI. Each time we were told that we qualify and to send request in writing. Each request in writing returned denials. EarlyXX/XX/XXXX, we submitted another request with copy of deed. Two weeks later Bayview responded that we qualify and to complete an affidavit of no lien in addition to an authorization for an appraisal. Appraisal completed on XX/XX/XXXX. XX/XX/XXXX letter from Bayview stating that the value of our home has decreased and a copy of the valuation report is enclosed. There was no valuation report enclosed. Called two times yesterday around XXXX XXXX and spoke first to XXXX and then XXXX XXXX. No one could locate copy of valuation report. XXXX reached out to XXXX, her supervisor for assistance and still to no avail. Bayview is not transparent. As of today XX/XX/XXXX still no copy of appraisal. Instead on XX/XX/XXXX Bayview performed an Escrow Analysis and determined that there will be a shortage in the escrow account and has increased our monthly mortgage payment by {$55.00}. This analysis is normally done in XX/XX/XXXX or XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
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: Old information reappears or never goes away

Complaint:
I reviewed a copy of my credit report and I am disputing an item that needs to be removed. 

1. XXXX XXXX XXXX XXXX is a 2-year-old credit inquiry. It was pulled on XX/XX/2019, and should be removed.

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 2020-11-13
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 40 days later I have no received a response yet. I feel like im being taken advantage of and being ignored of my disputes. section 611 ( a ) it is plainly stated that a failure to investigate these items within 40 days gives a reason to immediately remove those items from my credit report. it has been over 40 days and by time you get this about 50 days, so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have an installment loan with OneMain Financial and am late paying as of XX/XX/XXXX because we have a loss of income through my husband. I have told OneMain Financial that we are trying to catch up but can't at the moment. They have called my work office every day ( dates XX/XX/XXXX - XX/XX/XXXX ) since I have been past due and call 3 to 4 times a day even after I asked to stop calling my office. I have also sent an email directly to OneMain to stop calling my office but the calls continue.

Company response to consumer: Closed with explanation