BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I am filing a new complaint against Bank of America in response to my initial complaint ID XXXX which I feel was not researched adequately, which in turn, did not address the issue at hand. 

This complaint is in response to the letter dated XX/XX/XXXX sent to me from Bank of America. 
It states " Please call us as soon as possible to see if we can help you with your home equity account at XXXX, Monday through Thursday, XXXX XXXX to XXXX XXXX and Friday, XXXX XXXX to XXXX XXXX   Eastern. 

We noticed you're behind on your mortgage payments and realize you might be having a difficult time. We understand these things can happen and want you to know about ways we may be able to help. 
We can provide free help with your home equity account so call us right away. Waiting could affect your ability to take advantage of any of the programs you may be eligible for. '' The letter also states " This is a legally required notice. We are sending this notice to you because you are behind on your mortgage payment. We want to notify you of possible ways to avoid losing your home. we have a right to begin forclosure proceedings based on the terms of your mortgage contract. 

Please read this letter carefully. '' This letter is just another attempt at ignoring my previous complaints which are documented as far back as XX/XX/XXXX, with the Consumer Financial Protection Bureau XXXX CFPB XXXX. 

The original and subsequent complaints are as follows : XXXX dated XXXX XXXX dated XXXX XXXX dated XXXX XXXX dated XXXX XXXX dated XXXX XXXX dated XXXX Within these complaints I explained the various facts that show that Bank of America made numerous mistakes in an attempt to cover up their wrong doings. 

I advised Bank of America that in no way this loan was to have used my home as collateral. 
If Bank of America continues to consider this matter closed and attempts to proceed to forclose rather than admit to their wrong doings, we will leave it for the courts to decide! 

Bank of America has failed to examine the documents thoroughly! Had Bank of America done so they would have recognized their errors and came to a different conclusion. 

I strongly suggest that the Bank of America Home Retention CRM take a close look at the whole of my complaints which were sent to the ( CFPB ). 

This letter was not assigned a Customer Relationship Manager ( CRM )

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 2018-01-24
Company: Credit Card Acquisitions Group
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
This afternoon, XX/XX/XXXX, I received a phone call from Foster and Monroe from XXXX XXXX, NY. The individual introduced himself as an " investigator '' who was attempting to contact me to discuss options for paying my loan I received from XXXX-a tribal lending institution located in Missouri. This individual informed me that legal action had been commenced by the tribe and that a wage garnishment/wage attachment in the amount of 42.5 % was 24 hours  away from being duly executed. I was told that their " chief paralegal '' had filed the paperwork on behalf of the tribe and had also been appointed to execute the garnishment of wages. When I informed this individual that the garnishment has to be an action of state law, he replied that I waived my rights to state law when I signed my lending contract. This was NEVER disclosed to me. Furthermore, there is federal case law out of the XXXX XXXX of PA that holds XXXX XXXX   and Payday Lenders can not garnish wages of non-Indian persons-regardless of the language of the contract. The first conversation ended with a request to speak with the " Chief Paralegal '' in order to receive a copy of my filings. 

A little less than an hour later, I received a call from someone claiming to be the " Chief Paralegal '' and told him, I needed to be emailed copies of the court summons, pleadings, filings and judgments. I was told that tribal courts dont necessarily follow usual protocals and they can essentially do whatever they want-in an attempt to justify the 42.5 % wage garnishment/attachment. 

I provided this individual with the number and name of my Pay Day Loan Consolidation company. I spoke with my advisor who informed me no call from New York State had been received by his office. I also have not received any email with any legal documents attached that indicate any tribal filings have been made against me, any hearings have been schedule and any rulings have been issues. Additionally, the original loan in question is no longer offered by XXXX and the originally collection agency that bought my account from AWL purchased it in XX/XX/XXXX. 

I contacted, the original collections company and informed them of the encounter with Foster and Monroe. After spending upwards of 15 minutes with XXXX XXXX XXXX ; it came to my attention that XXXX had no idea who Foster Monroe was, became very interested in what they had told me and informed me that ACM would investigate Foster/Monroe and that I should not pay them anything. I am waiting to hear back from XXXX. 

I sincerely hope that this board lives up to its mission statement and agrees to help and save me from this attempted " financial extortion ''. 

Thank you. 

Regards, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: EXPERT GLOBAL SOLUTIONS, INC.
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:
I was a victim of fraud. I did not apply for any credit with the company and I realized It was I looked over my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
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: Investigation took more than 30 days

Complaint:
hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: ID Analytics, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I purchased a XXXX XXXX vehicle from XXXX XXXX on XX/XX/XXXX. I financed part of the cost of the vehicle and my lienholder was assigned from the dealership to XXXX XXXX, XXXX XXXX XXXX XXXX CT XXXX. At the time of purchase, I got the interest rate I wanted and all was well. A few days ago, I received a letter dated XX/XX/XXXX from XXXX XXXX stating that they " regretfully inform me that they are not agreeable to handling the transaction due to information in the report at the " '' crediting agency '' XXXX XXXX XXXX. '' '' XXXX gave me a credit score of XXXX and XXXX gave me a score of XXXX. Because of the low score from XXXX, regardless of my great scores with XXXX, XXXX, and XXXX ; XXXX XXXX wants to raise my interest rate. I called XXXX XXXX to talk about this on XX/XX/XXXX at XXXX and the person I talked to does n't seem to be able to answer any of my questions. So it seems I cant do anything about it! It appears to me that XXXX ( who I never heard of ) is providing XXXX XXXX a much lower score that the 3 major credit bureaus only so that XXXX XXXX can raise my interest rate and make money off of me. I find this to be very upsetting and seeing that XXXX XXXX  cant answer any questions, I need some help.

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 2021-12-01
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I saw an advertisement on the REGIONS website offering a {$200.00} sign up bonus by doing a deposit of {$500.00} and XXXX debit card transactions. I had XXXX days to complete these requirements. Very simple to do, however it took nearly XXXX weeks for me to receive my debit card and when I did I activated it the same day and used it XXXX times the very same day. They have not honored their advertisement and they are still running the promotion right now. I do not understand why they are not honoring the bonus when I did the deposit and used the debit card. They seem to be trying to get out of paying the promised money by using a technicality but that is in bad faith because I did what was required and it was REGIONS that did not use a fast delivery service when everybody knows the XXXX has been delayed for over a year now.

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 2019-07-13
Company: SYNCHRONY FINANCIAL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2019, Sychrony Bank - TJ Max rewards card posted a deliquency on my credit card. Over the phone, the agent explained that it was a {$6.00} charge posted on XX/XX/2019 after my balance was paid off and my account was closed on XX/XX/2019. Without being probably notified, this amount ballooned to {$10.00} on XX/XX/XXXX. The agent told me that this was an incorrect charge but said that she couldn't do anything to for the event to my credit card which could affect my credit score. She simply told me to file a complaint to the credit bureau. She also filed a complaint to the bank on my behalf but still she coulnd't do anything about the credit. I found this as unacceptable customer service from the bank and I don't think the bank tries its best to serve its customers

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 2019-07-13
Company: EQUIFAX, 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 status incorrect

Complaint:
XXXX XXXX is a charged off account back in 2015, this vehicle was sold at the auction without letting me know that I had the option to purchase it back. I receive no notice of the sale only after what I had to pay, which was {$9900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
1. On today, XX/XX/10, I entered the XXXX XXXX. XXXX at XXXX XXXX XXXX XXXX to cash a check. 

2. XXXX, the financial services mgr., said there was an issue with my student loan financial aid check from XXXXt XXXX XXXX . He said there were 2 signature lines but only one signature. Even though the second line states the second  signature is only needed for amounts over 10k , whereas the check is for XXXX XXXX He said I should be careful with what checks I deposit. 

3. I called XXXX XXXX, director of Financial Aid, to put her on the phone with XXXX. With her on line, he refused to speak with her, saying, I'm done with you. I asked if he could pls talk to her, so she could understand the issue and possibly help other students in the future. He refused to talk with her and said I'm done with you. I said I'm not done. 

4. Security standing nearby gestured for me to leave the teller area. 

5. I asked for the district mgr. Name and number, he refused. 

6. I asked for his name, he refused.

7. I asked for his card, he refused. He said Sir you're making a scene. 

8. I walked to another branch to make a complaint with XXXX. 

9. I had to call the XXXX branch to obtain XXXX 's name, which is consistent with what I could partially see on his badge.

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 2017-10-04
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am the administrator of my late mother 's estate ( death certificate and my appointment attached ). At the time of her death and at the time of the modification in question, my mother had been declared incompetent, and the XXXX of Ky. ( " XXXX '' ) was acting as her legal guardian. 

My mother 's mortgage was owned by XXXX and serviced by Rushmore. Rushmore had initiated a foreclosure, but with my uncle 's assistance my mother avoided the foreclosure by securing a HAMP modification ( attached ). The XXXX signed the modification on my mother 's behalf. 

The modification provides several different dollar figures : * Original Loan Amount : {$100000.00} * Unpaid Principal Balance of the Original Obligation Secured by the Existing Security Instrument : {$94000.00} ( para. 4.P. ) * New Principal Balance : {$120000.00} ( paras. 3.B. and 4.P ) Neither the XXXX official who signed the modification on my mother 's behalf nor the XXXX 's attorney who reviewed it and notarized it understand how Rushmore arrived at these figures.
I have repeated asked Rushmore for an explanation of these numbers and the differences between them ( attached ), but they have yet to provide any answers.
The house is now under contract, and we hope to close in late XX/XX/XXXX. Rushmore has provided a payoff amount of {$130000.00} ( attached ).
I question how Rushmore added another {$32000.00} to the Balance of the Original Obligation to arrive at the new Principal Balance and whether these additional charges are consistent with the HAMP program. I need them to reply quickly so that we can resolve this issue prior to closing. 

The account at Rushmore ( # XXXX ) is currently being handled by XXXX XXXX / XXXX XXXX XXXX XXXX / XXXXXXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: CarMax, Inc.
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: Account status incorrect

Complaint:
My name is XXXX XXXX I was with CarMax for 5 years and have never been late. CarMax XXXX XXXX has refused to REMOVE AND stop reporting " LATES '' on my credit report. I have never been pass the grace period as u will see reflected, my payment was due on the XXXX monthly and needed to be reflected by the 10 day grace period. I was never notified of the alleged 2 late payments for my XXXX XXXX XXXX vehicle in XXXX and XX/XX/XXXX. As you will see they were paid on XXXX and XXXX which means they were paid on time. I am asking CarMax to remove the late entries, they are taking advantage of young adults wanting to purchase homes due to not having a financial relationship with them any longer. I pulled my credit report on XX/XX/XXXX, XXXX and XXXX reporting late twice in XXXX for XXXX. I will protect my credit at ALL costs. CarMax Customer Service @ XXXXwas extremely rude and stated " We are not going to remove anything ''. I am asking we resolved this conundrum for I am trying to better myself and CarMax is prohibiting. I do not want this to happen to anyone else. Shame on CarMax ... 

Taken Advantage of, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i received a letter stating I could make payments as low as {$25.00} bi monthly and the representative stated that I needed to pay half the debt and then could make payments so he began to demand {$1800.00}. My industry was shut down for 8 months, XXXX. California. I offered {$25.00} a month and then in 3 months {$50.00} a month and in 3 more months {$75.00} a month and so forth as we are moving to reopening. He demanded {$1800.00} which I don't have. No where in the letter does it state that you must pay off half of your debt in order to begin a payment plan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-10
Company: AmeriCollect
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I had an on the job injury to my left shoulder. Upon the surgeon 's request on XX/XX/XXXX, I was sent to XXXX XXXX for an XXXX XX/XX/XXXX. I received a bill for {$1100.00} XXXX of XXXX that I forwarded to Department of Labor. XXXX of XXXX I was notified that this bill was in collections held by Americollect. I sent them a certified letter asking for verification. Nothing was provided. I called to let them know this was a Workman 's Comp case and in turn I received another bill. I have reached out to XXXX XXXX and they have confirmed that this should not be a collection under my name. In the meantime, Americollect is continuing to report negative information on my credit report. This erroneous information is inconveniencing my military security clearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Paypal Holdings, Inc
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
Paypal.com tell me i need to give copy of driver license, copy my social security number, just to open account. Which i been with PayPal for 10years, then I close business, then i open personal so can buy on XXXX. I been buying on eBay without using PayPal because all XXXX they keep telling me i need to do. XXXX been sending my stuff to same address i give paypal, paypal say 's i can't use address, and give them copy of my electric, gas bill. Well about 5-10 years ago paypal Refused my Social Security Number, saying its not mine. Supposedly it belongs to there employee, i told paypal to give me more information so i can turn to law enforcement. But paypal asking for to much information to open account. Other people i know never had to give copy of their license, SS # .please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: TIDEWATER FINANCE COMPANY, INC.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I paid off the balance of this account, but an oversight caused an extra payment to be sent to the company. I called my bank to try to reverse the charges, but they were unable to do so. I called the company. I first called on XX/XX/19, the day they received the payment, but the representative that answered the phone was unable to find the account. I repeated the information slowly and clearly, but they could not understand the numbers. They finally were able to access my account, but then could not understand what I was asking. After the fourth unsuccessful attempt to explain my request, I asked to speak with a supervisor. The rep then put me on hold for 12 minutes at which point I was hung up on. Then, I attempted to use their web chat, which there was no response. I finally called again and spoke with a person who now says they will return the money, but not for 60 days. They should not be allowed to hold onto my money and earn interest on it for 60 days. That is an unreasonable amount of time to hold someone's money on an account in good standing.

Company response to consumer: Closed with explanation