BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
on Wednesday XX/XX/2021, an individual informed me about another government extension that people are receiving, and he wanted to know if I had gotten it yet .this person apparently received their extension of XXXX and I could too.of course times are hard so I wanted to know how to get this extension. 
This individual proceeded to tell me about this agent that helped him get his money. All I had to do was give this person permission to give my phone number to this " agent XXXX '' and would contact me. 
Within seconds agent XXXX contacted me. 
Agent XXXX took down my information and before I knew it he took all the money I had on my XXXX  card, almost XXXX dollars. 
He tried to blame bank of america. 
Then he said that I had to wait 5-15 days until I see any money In my account. 
He changed my passwords to my XXXX  and bank of america accounts so now I can't access them. 
I called XXXX and told them what happened and they kindly helped me calm down was so upset. They froze my card and account so no further transactions would take place and sent me a brand new card that showed up fast within 3 days. Then they transferred me to the fraud department. Thank XXXX they helped me

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 2018-12-21
Company: Phoenix Financial Services LLC
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: Information belongs to someone else

Complaint:
PHOENIX FINANCIAL IS NOT MY ACCOUNT PLEASE REMOVE FROM MY CREDIT FILE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: JPMORGAN CHASE & CO.
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 status incorrect

Complaint:
it is about chase auto loan payment, reported to credit bureau at XX/XX/XXXX they said it was later over 30 days. 

Since i bought the car at XX/XX/XXXX, i never received bills from them. 
I called in and paid my very first payment, after that i told them that i never received any bill or letter from Chase auto, they told me it was automaticlly set as paper less. 
i was concerned that i told them my job requires me to travel all the time, i do need to have physic letters sent to my apartment, so my wife and parents can handle it as all the others bills i have. 

But still i never received the payment, neither me or my family got one at all.

I paid several payment via phone. Back to XX/XX/XXXX, after i paid via phone, i told them i need to have physic letters from them, and set me up as auto pay. 

the representative said they can help, so they put me on hold for more than 20 minutes, and the call ended automatically. 

I thought i have done the auto payment setup. i still never received anything emails or phone call from chase auto. 

at XX/XX/XXXX, i received a phone call said i have a payment overdue for more than 30 days, i paid it off immediately. I asked the Rep how could that happened? I never received bills via mail ( I ASKED THAT 2 TIMES ), and last time when i paid my bill, the rep said they can set me up and put me on hold. Now, they said auto pay can not be done unless i have an chase online account. It is frustrated that i was informed they can set it up for me via phone, but now they said it can only be done via phone. 

Also, during the period of the late payment, i never received any information from them. 
but they kept saying they did. 

Since day one, i never receive their letters for billing, i had to call them by myself to solve the problem. ( i found the information via an app called XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I deposited a check to my Bank of America checking account amounting to $ XXXX on XX/XX/XXXX from my XXXX checking account, it was returned even though it has funds. I was charged a return check fee then there were so many overdraft protection charged on my credit card. I paid way too much worth XXXX XXXX  for something that is not my mistake. Then I attempted to deposit again even it has funds they charged again a return fee plus way too many overdraft protection. I called XXXX and they said I never had any stop payments so why Bank of America is doing that anomaly. Due to Bank of America 's fraud I went to their branch in XXXX on XX/XX/XXXX and asked the manager to close all my accounts ( checking, savings, credt cards ) at BofA, Until XX/XX/XXXX they are still charging a closed account. Now, my credit score got affected by Bank of America 's fraud? My credit score is XXXX, now it dropped to XXXX. Now they are collecting another XXXX XXXX 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 monetary relief
Consumer complaint received 2018-05-22
Company: EQUIFAX, INC.
State: MN
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 am a victim of identity theft. The following collection account and credit hard inquiries are listed on my XXXX, Equifax and XXXX XXXX credit report and dont belong to me : XXXX XXXX XXXX, {$390.00}, XXXX XXXX XXXX, XX/XX/2016, XXXX, XX/XX/2016. I been receiving harassing and threatening phone calls of profane language, death threats and threats of jail from XXXX XXXX XXXX representatives for a debt thats fraudulent and that I dont owe. XXXX XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ). Furthermore, its inaccurate that I missed 2 payments with XXXX XXXX XXXX, all of my payments have been on time before the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage company. I just refinanced and o cant get anyone on the phone, email. 

I sent certified letter with check after weeks. 

My prior loan was XXXX  and I had no problem getting them on the phone. 

I need you to get them to be accessible!

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 2018-06-13
Company: Law Office of Michael J. Scott, PC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company has published false information to all three credit reporting agencies. I requested for validation, they are unable to provide me with a contract or anything with my signature to show I am the owner of the account. The are charging/request {$710.00} for the account. However, the bill the bill that they sent to me is for {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: PNC Bank N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I have had accounts with bank for years. I had a premium checking account that all of a sudden was being charged monthly fees for because I couldn't maintain a certain balance that had not been a previous requirement. So PNC bank change my checking account to standard checking account with no fees however they then started charging me {$10.00} monthly service charge for my money market account because I dont maintain a certain balance or have a large enough auto monthly deposit. Neither of which were original terms. Can they just arbitrarily change agreement terms?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-03
Company: U.S. BANCORP
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I went in to the U.S. Bank location on XXXX XXXX XXXX XXXX. in XXXX, MO to consolidate two savings accounts. While I was there the banker was extremely concerned that I did not have overdraft protection on my account, and asked me why. I told him it was because I didn't need it, and have no interest in adding it. He kept pushing and asking if he could add it, so I finally said yes in order to get out of there. He said it would take 5 minutes, and I said I didn't want to wait and didn't need this protection. He told me it would actually take just a minute and he was almost done. He had me sign my name on a digital screen, telling me it was to consent to add overdraft protection to my account. Several days later I received an email from U.S. Bank congratulating me on opening my new personal line of credit. I was extremely concerned and initially believed that my account had been hacked. I logged into my account online and saw that I had a new personal line of credit called " overdraft protection ''. The banker never told me that I was opening a personal line of credit, and I never would have consented to opening such an account. At best this was extremely unethical and misleading, at worst it was illegal.

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 2018-05-03
Company: EQUIFAX, INC.
State: AL
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 contacted Equifax and filed a dispute that I did not apply for a loan with XXXX XXXX XXXX or XXXX XXXX  and they apparently did not do a full investigation because they came back and stated it was found to be accurate. I have spoken to both these companies back when this started showing up and both said they could not provide me with any documentation as to where I had inquired about opening an account. Equifax has refused to remove these two inquiries from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: EVERBANK, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This is additional information supporting complaint XXXX. 

XXXX claimed last week that my account had been rectified, but the numbers are not adding up. Since XXXX assumed my account for servicing on XXXX XXXX, the following big picture transactions have occurred : - Payments = {$43000.00} - Draws = {$23000.00} - Interest = {$5000.00} ( XXXX & XXXX only, I paid XXXX prior to transfer ) - The balance that was transferred to XXXX was {>= $1,000,000} - My current balance as of XXXX XXXX should be {>= $1,000,000} - TIAAXXXX shows my current balance as {>= $1,000,000} - There is {$4100.00} missing from my account, which coincidentally is the same amount as my XXXX statement payment amount due for XXXX XXXX. 

I still do not have an XXXX or XXXX statement from XXXX. I have provided a complete transaction history from today, as well as my XXXX statement showing the payment amount for XXXX XXXX. The transaction history is difficult to decipher, but I believe I Identified the errors, and highlighted them in red. I provided this information to XXXX last week, and have heard only silence in response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Experian Information Solutions Inc.
State: MI
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:
IN XX/XX/XXXX MY INFORMATION WAS USED to open a lease from a creditor named XXXX XXXX XXXX XX/XX/XXXX my identity was stolen and used for unemployment benefits, the thieves also tried to apply for multiple items via internet but was unsuccessful due to me putting a freeze on my credit report, but before i could freeze my credit report i had accumulated a total of 2 unauthorized / fraudulent inquiries which are from XXXX XXXX XXXX / XXXX XXXX. i do have a XXXX XXXX account but some one else tried to apply for another XXXX XXXX card with out my permission. I have reported all incidents to local and federal authorities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-06
Company: Atlanticus Services Corporation
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My available credit keeps going down because they are double charging me. I've contacted them two days in a row and asked them to fix it and they just keep saying it's updating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: EOS Holdings, Inc.
State: WA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company is calling me daily since XX/XX/XXXX. I was able to get my phone company to get all the numbers, dates and times that they have contacted me. Sometimes they are even calling more then once a day. I have asked a representative to quit calling me and to have the communication by mail only and they have ignored my request. It's to the point I may have to just change my number to get them to quit calling me. I've also requested for the debt information as I was told that it was paid off in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have never applied for a card called XXXX XXXX XXXX XXXX, I have called XXXX XXXX and trasUnion and they have not given me an answer. 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 2020-05-11
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-20
Company: BAM Management US Holdings Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
I put in XXXX dollars last year thinking I would use it, but did not and I went on Binance site to withdraw the money to my bank since I wired the money from the bank, on their site withdraw does not show anything and the XXXX That I put in so I asked them to send me a check well they do not send checks so the XXXX is just sitting there and I can not get it out because it does not show up, I'm going to go to Binance and tell them To do the web site over to show the withdraw but if they did not fix it by now they never will. that's how they have a lot of money they keep everyone money that they can't get it out. If I would have known I could not get the money out I would have never put it in

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: Paypal Holdings, Inc
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter that shows it is from XXXX XXXX XXXX XXXX dated XX/XX/2021. It has my name ( with my maiden name, not my legal married name ) and my address. It has an account number listed and an amount due to PayPayl, XXXX. I do not own the account listed and I do not owe PayPal any money. This is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-21
Company: Grant & Weber
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:
Grant & Weber ( a collection agency ) is reporting on my XXXX, XXXX  and XXXX XXXX credit reports that I have a negative unpaid account charge in the amount of {$52.00} originating from the original creditor XXXX XXXX XXXX XXXX XXXX. However, I do not owe anything, as I already paid to the creditor XXXX XXXX XXXX XXXX XXXX the original amount owed -- {$50.00}. 
I have a copy of the check ( check # XXXX ) which I will upload here that was already paid to XXXX XXXX XXXX XXXX XXXX for account # XXXX. It shows clearly that {$50.00} was paid for this account, leaving a XXXX balance owed.

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 2018-05-03
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this collection account from XXXX XXXX XXXX, XXXX on credit karma for the last 2 years. I've never had any association with XXXX XXXX XXXX. My phone line has been with XXXX XXXX XXXX for the past 5 years. I am led to believe that this IS fraud. I disputed with XXXX XXXX and noted that the balance is not mine and they need to remove it but to date they have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-21
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I went through a divorce where I was awarded the home through separation agreement and the final divorce decree. Ocwen mortgage directed me straight down a path of ruin, I was told by OCWEN I could streamline my mortgage through modification and remove my former wifes name. I made the three trial payments only to be told the assumption was not possible. I have been through the ringer with Ocwen, they are going to have it there way. I had a direct conversation with the customer service department where I specifically asked " IS THIS THE RIGHT WAY TO GO ABOUT GETTING MY FORMER WIFE OFF THE NOTE : the answer was : YES!!!! 


Ocwen had the separation and final divorce decree before starting the modification process, the recording proving what Ive said is being held by Ocwen stating, recorded calls are for quality only but offered me a letter of apology. 

My 3 trial payments were sent to old due dates, I'm not sure they were even behind, now I have to reinstate my loan with a large payment amount only because they directed me down this path, hide information and change the rules to benefit them I've written to XXXX XXXX and his office is opening up communication with Ocwen to get to the truth I fear foreclosure here

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 2020-06-29
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I had several store cards that were issued and serviced by Comenity. These accounts are now closed, and the remaining balances are being paid through a debt management program ( DMP ). I have been making regular and timely payments on these accounts for over a year. Recently, on XX/XX/2020, I called to request payment deferments for these accounts. Though payment deferments are being offered to customers with Covid-related financial hardship, I was told I was not eligible because my accounts are being handled via a DMP. The customer service agents politely informed me that I could choose to not make the payments anyway, but in doing so I could incur late charges and adverse credit reports for the late payments. 

Such policies penalize customers most in need. A payment deferment of 1-2 months would enable me to resume regular payments after I've had some time to find replace some of my lost income, and avoid actions ( e.g. late payments or bankruptcy ) that could further harm the credit I have been working to rebuild. I am filing this complaint in the hopes that Comenity will reconsider their policy and extend the deferred payment benefit not just to me but all interested clients with Covid-related financial hardships irrespective of whether payments are being made via a DMP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wakefield & associates Report that I owe them a Debt which is inaccurate After l no communication was made with me they reported it to my credit which is affecting my score drop 60 points and my credit to buy a house or car also they are in violation of hippa laws

Company response to consumer: Closed with explanation