BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have a Corporate credit with Bank of America. I've heard that they and XXXX, are going to be denying banking services to companies and small businesses that are related to legal firearms and firearms related businesses. 

I'm in the process of lobbying my company, who owns the credit card accounts to close all of them, for all of our employees. I feel very strongly about this as do my company owners, but we have not made the decision to do so, yet. 

For Banks to take this approach is disgusting! These businesses are law abidiing! This approach denies our 2nd Amendment rights and is discriminatory and in violation of State and Federal laws. If Banks can arbitrarily impose these kinds of restrictions on law abiding persons and companies, whats next? 
Its also my understanding that these two bank received several billions of taxpayer dollars a short, ten years ago to bail them out of billions of dollars in debt that they were partially responsible for having created! How dare they stick their fingers in the eyes of millions of taxpayers and their customers with these faulty polices. 

I ask they these banks be reprimanded and forced to revoke these policies

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 2021-11-04
Company: Specialized Loan Servicing Holdings LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing ( SLS ) is claiming my loan is delinquent when it is not and I am still in the 60 day RESPA new loan servicing window. 

Upon closing our refinance of our mortgage with XXXX XXXX on approximately XX/XX/2021, the loan was established for servicing with XXXX XXXX XXXX ( XXXX ). XXXX sent us a request in early XXXX for first payment due XX/XX/2021. I submitted a payment that arrived on XX/XX/2021. This payment was applied as a principal-only payment by XXXX, XXXX I did not requested it as a principal payment and sent it to the address for standard monthly payments. On XX/XX/XXXX, I requested the payment be reallocated to a standard mortgage payment of principal+interest for XX/XX/XXXX due date. 

I received notification in the postal mail from XXXX that my loan was being transferred to Specialized Loan Servicing ( SLS ) from XXXX on or about XX/XX/2021. On or about XX/XX/2021, I received a noticed in the postal mail from SLS that my loan had been transferred to them for servicing. On XX/XX/2021 at XXXX a representative from SLS called me to inform me that my loan was delinquent with them. I would not speak to them on a recorded line, so they requested to call me back on an non recorded line. At this time, they have not contacted me again. I am aware that under RESPA I have 60 days to make payments to the original processor of the loan, and the loan is not considered delinquent until 14 days after the due date. This behavior is abusive and misleading to consumers.

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 2018-06-26
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Reference previous Complaint number : XXXX I was not given complete and accurate information of the following issues : 1 ) What date was the equipment actually taken to auction? 

2 ) Please provide copies, cost, and any other information regarding all advertising for sale. 

3 ) Since I was never informed that the equipment did not sale at auction on XX/XX/2017 ( date I was given for the auction ) .please provide date and proof of sale. 

4 ) When was repo title applied for and obtained. Please provide a copy of the repo title.

5 ) Since there were no mechanical issue with the truck at the time it was returned, exactly what repairs were deemed necessary? Please provide original receipts for all repairs done to the equipment 6 ) If body work was done to the equipment, please provide original receipts of repairs as well as before and after photos.

7 ) Please thoroughly explain how you calculated the amounts given on form 1099A.

8 ) Please justify yourself in selling a piece of equipment valued in excess of {$160000.00} for {$120000.00} NOTE : Since I am being asked to pay a balance you show of approximately {$8500.00}, I feel I am well within my rights to ask for proof of any and all monetary expenses incurred after the equipment was returned to BMO Bank.

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 2018-04-29
Company: Navient Solutions, LLC.
State: AZ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Navient has been garnishing my XXXX payments for 5 years. I would typically receive XXXX dollars a month but have been surviving on XXXX dollars a month. I have called and spoken to them about the amount they are taking because I am barely able to support myself and my kids. I have been declared XXXX since XXXX and when contacted by them I explained my situation but they never offered me any relief or options. Just forbearance and deferment actions. I now am in a loan rehabilitation program with XXXX XXXX but now am receiving letters from a NEW company wanting to collect the original amount due on my loans from XXXX! So, I have been forced to pay over XXXX dollars to nothing and now my accounts are with a new agency??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: EQUIFAX, INC.
State: IL
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 am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I believe that the HSBC bank is needlessly engaging in conduct that enables identity theft. I have not to my knowledge been victim of any fraud yet, but I feel I need to escalate this, since it is my impression that a large number of customers could be exposed through this leak. 

The issue is this : HSBC asked me for my mother 's maiden name, and SSN upon opening my account, and asks for them when I call them on the phone, all of which is of course customary. However, what I discovered is that having logged in on their online banking website, the browser shows me my mother 's maiden name, and the last four digits of my social security number ( on the " Apply for Credit Line ''  subpage ). There is no reason for the website to show that information to me, on the contrary, if a hacker manages to get a key-loger on my computer, to lift my login and password, they would be able to leverage the HSBC leaking my last four of SSN and mother 's maiden name to be able to impersonate me on phone calls to HSBC or other banks. 

I am not familiar with the law, but I would expect it to state that one can not propagate personal information of customers except if there is good ( business ) cause, of which there is none here. Also, I would expect that banks are under obligation to make a good faith effort to verify my identity, if they get a phone call from me asking to make a wire transfer, but I can not see how HSBC can claim that asking for my mother 's maiden name satisfies that obligation, when their website leaks that piece of information to anyone with a keylogger. 

I have pointed this out to HSBC representatives in no uncertain terms, but the response I got was that they would " pass on '' the information to their web development team, without acknowledging the seriousness of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
About XX/XX/2020 I initiated a mortgage process through XXXX XXXX ( XXXX XXXX ). At the beginning of the process I was asked by the broker for a credit card to pay for appraisal. Upon providing the credit card information, the broker immediately charged my card for " professional services '' which is a fraudulent charge. 

I immediately sent notice to the broker the charge was not authorized and that I am immediately ending the mortgage process because of his theft. The broker responded by scheduling an appraisal of the home, despite being told to end the process. Several days later an appraisal was performed. 

I notified Capital One I am disputing the charge as it is invalid. The broker claimed the charge was to pay for the appraisal. I provided all documentation proving that I terminated the mortgage process days before the appraisal was scheduled. For reasons unknown to me, Capital One told me they were allowing the charge to stay despite my proof the charge was theft. I suspect this is a case of inter-institutional camaraderie ; one hand wash the back of another. 

The charge of {$500.00} was mere theft and I am entitled to my money. I think Capital One should pay punitive damage for what they had done as well, even if the damage goes to a good cause

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2017 I applied for an american express delta credit card. They offered XXXX mile if spend XXXX in 2 months and an additional XXXX miles if spend additional XXXX in 6 months. I was accepted for the card and spent {$3000.00} within 3-4 months but never got the miles. I called them a few times and the said they would look into it but nothing done and no explanation. One time I was told maybe I had an account before so I wouldn't get.

Not sure if had account before and offer doesn't exclude if had account before.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Transunion shows my XXXX XXXX with XXXX and XXXX XXXX as XXXX while my XXXX card ( with Transunion ) states my score is XXXX. XXXX and XXXX XXXX state reasons my credit score is low is due to a bankruptcy. I have contacted Transunion three times about this and am told there is no derogatory information or bankruptcy reported on my report and can do nothing about my credit score discrepancy. XXXX and XXXX XXXX tell me to take it up with Transunion. I'm getting the run around and merely want my credit score to reflect the correct amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/2018 i disputed a medical bill form XXXX XXXX XXXX on XXXX  and XXXX  credit reporting agency because i don't recall owing that debt. The medical bill was removed from XXXX  but not from XXXX  amount {$110.00}, i have tried unsuccessfully to dispute it again through XXXX  online dispute numerous time, but their system doesn't seem to work consistently because i am constantly getting error messages ( please see attached below ). a few weeks later I received a letter from XXXX XXXX XXXX date XX/XX/2018. I don't think i owe this balance and its adversely affecting ability to conduct any business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: EQUIFAX, 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:
I have called Equifax ten times about unauthorized inquiries on my credit report I spoke with two of their representatives at different times the first said they would take care of the issue and remove them the second said there was an issue with my request and the FTC report I furnished another denied receiving my FTC report at all after the first two confirmed it was received. I have since faxed my report over four different times and three representatives said they will take care of the issue and remove the inquiries now. I even received a letter from Equifax stating the inquiries were removed but they are still showing on my report. This process was started approximately three months ago. They are and continue to violate FCRA by reporting these inquiries still. the inquiries in question are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/2020, I logged into PayPal.com to send my friend {$540.00}. PayPal removed {$540.00} from my bank account on XX/XX/2020 To date ( XX/XX/2020 ) PayPal has not dispersed the funds to my friend. It has responded to my queries with 1 ) Silence 2 ) Lies ( saying that my bank was holding it ). 

Transparency is important. 
Communication is important. 
Accountability is important. 

Take a moment to look at the XXXX reports on PayPal.com Take a moment to look at the social media feed on PayPal.com It routinely exploits and abuses American consumers. 

At this point, I will have to find another way to send my friend money. And a way to retrieve my original send from PayPal 's holdings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-18
Company: LDF Holdings, LLC
State: DC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2018 I applied for a {$500.00} loan and I received the money the next day XX/XX/2018. I didn't receive any paper work about the loan or repayment schedule. On XX/XX/2018 I went on line to get some information and it showed my payment of {$140.00} is due on XX/XX/2018., for l8 months. I would have to {$2600.00} on a {$500.00} loan. Please assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My father, XXXX XXXX XXXX, owned a CD at Bank of America. The CD was in his name and in the name of " XXXX XXXX XXXX Living Trust. '' XXXX XXXX died XX/XX/XXXX. 

The XXXX XXXX XXXX Living Trust was revoked on XX/XX/XXXX but Dad failed to notify Bank of America of the change. The CD thus remained in the name of the trust upon his death. 

I, XXXX XXXX XXXX, am personal representative and executor of XXXX 's will. 

I first contacted Bank of America on XX/XX/XXXX regarding the CD. Due to a misunderstanding I provided the wrong information at first. But on XX/XX/XXXX I had a conversation with XXXX XXXX in the estate management department of Bank of America who told me what needed to be done. 

I followed XXXX XXXX 's instructions. On XX/XX/XXXX I submitted a notarized Letter of Instruction and Account Closure Request, death certificate, and Letter of Administration of a Small Estate from the XXXX XXXX, MD, Register of Wills to Bank of America. I obtained an EIN and opened a bank account for the estate of my father to receive the check from Bank of America upon closure of the CD account. 

On XX/XX/XXXX I received an email from XXXX XXXX. She informed me that the closeout had been rejected. She said she would make a complaint. I never heard from her again. 

On XX/XX/XXXX I received a phone call from XXXX at XXXX who identified herself as a representative of Bank of America 's estate department. She told me that by the end of the day, or at the latest by Friday, XX/XX/XXXX, she would call back regarding the resolution of the CD account. She never called back. 

I called Bank of America 's estate department today XXXX, ext. XXXX. No one answered. I was on hold for nearly 70 minutes. I hung up. Then I called XXXX at XXXX. She did not answer. I left a message. 

There is no reason for Bank of America to make it so difficult to obtain the funds in my deceased father 's CD. This is NOT Bank of America 's money. It belongs to the heirs of my father. This almost amounts to theft. What I have been through is absurd.

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 2018-04-29
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian failed to respond to my request for debt validation within thirty day as required by FCRA. This issue was never addressed by Experian as evidenced by their responses saved on the CFPB site. Despite this fact, Experian fraudulently claims the complaint is a duplicate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
About 3 weeks ago, my checking account was hacked 2x through XXXX for {$2000.00} each to the same XXXX XXXX account. One went through one was caught. I went in and closed my accounts, opened new ones, changed my user name, new hard PW, and quite XXXX, deleted it, etc. On XX/XX/18, XXXX again got into the new acct for {$2000.00} for XXXX XXXX ( I do not know such a person nor did I authorize it ) and when I called fraud unit back to verify it ( thats when they told me who - I asked if XXXX XXXX XXXX XXXX XXXX said yes ) then XXXX said they had to hold my accounts - I said what does that mean? He froze them from me - a fair amount of money was frozen from me - as well as credit cards, access to all my accounts was blocked. I could not pay me bills, buy medicine, or food or anything. We have been fighting since and I have been told the hold is for my own good. I asked where is your court order to HOLD MY Money - and how is my not eating or getting my meds my own good? No access at all. They have in affect stolen my money = and they deny me access to cc so how can I pay them - auto payments are denied and I can not view them nor pay them and are they of course are charging fees for this - their punishment to me for their allowing my account to be hacked. What gives Chase the right to keep my money when it is mine and I need it?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Resurgent Capital Services L.P.
State: TN
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: Problem with personal statement of dispute

Complaint:
I never received a bill from XXXX XXXX credit card company. They then closed my account but continued charging me fees. I paid the original amount due. My bank cashed a check in the amount of {$52.00} on XX/XX/, 2018. They ( XXXX XXXX ) sold this note to another company. That company ( Resurgent Capital Services ) failed to do anything to resolve this issue and refuses to acknowledge that I paid anything to XXXX XXXX even though I got a letter from my bank confirming the payment. Resurgent continues to pursue me and refuses to take this off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am contacting Federal Reserve consumer ( consumer financial protection bureau ) regarding this branch and XXXX XXXX. 
This guy working at US Bank XXXX XXXX XXXX. XXXX CA XXXX doing some shady stuff. 
XXXX XXXX is withholding my father money. he put the block and my father for the past months cant access his account and money. 
I have been calling the main office and corporate office and no body take care of the issue. This guy XXXX XXXX is controlling the whole entire bank system. 
He XXXX XXXX could be stealing and touching peoples account and money without permission and there is no one above him to supervise his misconduct. 
My father had XXXX and XXXX attach past few months and he knows that my father is an elderly. 
I will report XXXX XXXX also to adult protective services for elderly abuse as well.

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 2021-05-06
Company: AMERICAN HONDA FINANCE CORP
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 status incorrect

Complaint:
XXXX XXXX of XXXX XXXX, XXXX and Honda Lease Trust On XX/XX/XXXX I acquired a lease with XXXX XXXX XXXX for 36 months. On XX/XX/XXXX I paid the lease in full. I received the title in the mail. On my credit report it stated my account was paid in full and closed effective XX/XX/XXXX. On XX/XX/XXXX I received an alert for a negative factor on my credit report for {$46.00}. I never received any letter concerning this balance. But this was put on a closed account on my credit report that is now open again. This has drop my credit score a 150 points. I have tried contacting them about this matter and nothing has been resolved.

Company response to consumer: Closed with explanation