BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is held by Bank of America. My payment has always been {$1800.00} per month. In the month of XX/XX/2020 my payment increased by {$300.00} per month. 

I called, emailed and sent a written letter to Bank of America. 

I explained that my property taxes are {$4400.00} per year and my insurance is {$1200.00} per year for a total of {$5600.00} per year. The monthly escrow amount was {$460.00} per month which is enough to cover the yearly taxes and insurance. 

On XX/XX/2020 the monthly escrow increased to {$780.00} per month or over {$9000.00} per year. Thats {$4000.00} more per year than what is needed to pay my taxes and insurance. 

I spoke to a manager XXXX and explained there is a mistake made. According to this manager a computer determined my account will be {$1200.00} short in XX/XX/2020. In other words my escrow account will have XXXX dollars in XX/XX/2020. 

Bank of America has been taking {$460.00} out every month. Where did that money go? Whatever computer they used, someone put the wrong set of data in to get an accurate calculation of the Actual Needed Escrow Amount. There is a computer glitch somewhere and according to the manager XXXX Bank of America Will NOT Correct Their Error. 

Its simple math. If taxes and insurance equals {$5600.00} per year thats no more than {$500.00} per month. They should NOT be taking out another {$300.00} per month. 

Why did the computer not catch this last year or the year before? My monthly escrow was the same last year. My property taxes are the same as last year. My insurance went up a little, but Not {$300.00} per month. 

Theres something Wrong Somewhere and Bank of America is trying to sweep something under the rug. 

Ive had this mortgage for years. Every time they make an adjustment to my escrow they provide written details as to why. Now Im being told a computer projected my balance at XXXX in XXXX with no other details to account for how and where they spent the Escrow money. How many other millions of customers has a Computer made this mistake with????

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 2020-08-26
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I filed a complaint on Navient because I received an email about interest being added to my account during the time it's not supposed to be added and along with no payments. In XXXX my balance was less than it is reporting on my credit report now. They have added over {$2000.00} in interest from XXXX to XXXX. They aren't supposed to be doing that. Who else can I reach out to about this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: WELLS FARGO & COMPANY
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I began paying for my loan with Wells Fargo this year and it is over {$910.00} a month.i borrowed {$45000.00} and now with interest is over {$90000.00}. I am have a hard time paying the loan each month and Wells Fargo would not take off interest or reduce payments. Its over {$910.00} for 15 years. Please is there any way you can get the balance lowered so the payment will be smaller please?

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 2021-02-22
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I sent a transfer to Binance.US from my Trust wallet in the amount of XXXX BNB. I forgot to add the memo number which is required to receive funds. I submitted a ticket and didnt hear back for 10 days. I had to reach out on XXXX to get a response. They asked me for numbers and screen shots and I sent them and still havent heard back from them. My ticket number is # XXXX. 

The customer service is non-existent. They allowed more customers to sign-up without employing enough people to cover potential issues. Having my funds not available in a reasonable amount of time is acceptable. Further, if this gets resolved they will be charging me a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: EQUIFAX, INC.
State: OR
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 Federal Student loans should be deferred due to unemployment and COVI-19. XXXX continues to report inaccurate information. I have been ignored and my concerns have not been addressed. I asked for unemployed or no income-based repayment. Nothing has occurred

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: Synovus Bank
State: PA
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:
Status of closed account by XXXX XXXX Card is being re aged. Received an alert from XXXX XXXX under XXXX that as of XX/XX/XXXX the card was closed when it was previously reported as closed in XX/XX/XXXX. They are also showing twice on credit reports with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Dear Sir/Madam, I sent this email to complain that Coinbase locked my XXXX for 3 months. 
I would like to summarize my case as below : I have a transaction to transfer XXXX from my other wallet to Coinbase 's account ( the last item ).

1 ) Date of deposit : XXXX XXXX XXXX Amount of transfer XXXX XXXX XXXX XXXX Transaction hash : XXXX https : XXXX But in Coinbase it's showing XXXX in my portfolio balance. So all my money XXXX XXXX XXXX XXXX was lost for no reason. 

I submitted a lot of tickets in 3 months but then the Coinbase system told me that the ticket closed with an auto message One of my tickets is XXXX that was created on XX/XX/2020 and is still pending for now even though I sent a lot of follow up messages. 

Please help me. That's all my family 's saving. Please let me transfer my money to another wallet. You guys can close my coinbase 's account. 

Thank you a lot!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
TRANSWORLD SYSTEMS INC contacted me trying to collect debt on the behalf of a XXXX XXXX account. 
Upon, further research, this account was transferred/sold and I am no longer responsible for the account. 
Also, Ive sent out a letter to TRANSWORLD SYSTEMS INC on XX/XX/2020 with the address listed on their website at XXXX : XXXX and the address is expired and Im unable to contact them by mail. They made an attempt to call me to try to collect payment & mentioned that this call is recorded and not to validate your debt if they can not validate it. So why is this company asking for payment? 
I informed them that I prefer you not to communicate by phone and I prefer to communicate by mail and she told me they do not accept mail and will reach out to the original creditor and tell them I refuse to pay the debt. How can they not accept mail but have a P.O BOX address on their website claiming it's their address? I did not say anything about refusing to pay the debt or even admitting to this being my debt as they cant validate it because they don't have a proper structure way of receiving mail. All I said was I prefer to communicate by mail, so they are falsely accusing me as well. 
If they are a legit company, they need to validate the debt because their address listed on their website is invalid and I can not contact them by mail. 
Is this company seriously calling people trying to collect payment without any proof of this debt without being validated? 
According to the FCRA, TRANSWORLD SYSTEMS INC has violated my rights as a consumer and I'm requesting legal action to remove this account immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I ask that you please give me the chance to provide documentation to verify my statements to follow. This is probably a long shot ... I recently discovered the Reaffirmation Agreement Santander Bank Lawyers & I negotiated prior to my Bankruptcy Discharge in XXXX added an additional 2 yrs. to my Chrysler Capital car loan. My car payments have always been paid on time, even w/challenges encountered to pay {$490.00} mo. payment w/o access prior to discharge. Santander & I clearly discussed following terms : To lower my interest rate from 10.9 % to 7 % & recalculate payment to reflect 7 %. Since new payment of {$390.00} was over {$100.00} less than original loan, I trusted & understood loan was recalculated at 7 %. Instead, Santander created the Agreement w/intent to cause me financial harm & their company gain from my losses. Loan supposed to end XXXX XXXX along w/GAP Insurance. However, the purposeful intent to create this legal document ( Agreement ) & intentionally OMIT the loan extension of an additional 2 yrs., I will be w/o GAP Insurance & literally pay an additional {$9400.00} plus on top of the initial loan cost of over {$26000.00}! I now expect to be in serious financial distress as a result of Santander gaining my trust & never to expected they would cause me such harm for monetary gain for their company. My plan was to retire 6 mo. after my car loan ended in XXXX XXXX. I have worked for the XXXX since XXXX as a XXXX, currently for the XXXX XXXX on XXXX XXXX. I am very unsure of my future as a result of their intentional financial abuse. Again, my car payment history is outstanding despite the XXXX Bankruptcy filing. I hope this type of abuse is placed in the Bankruptcy Abuse Protection Act. I know I must sound like an XXXX to have this happen to me. I just don't understand why I am unable to obtain assistance. Yes, we both signed the Reaffirmation Agreement. This document is false yet it was filed in the NJ Bankruptcy Court in XXXX, NJ. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/18 I had a hard inquiry from Comenity Bank/Victoria Secret that I didn't authorize. At this time I also received an automatic credit limit increase- ( I didn't apply for a credit limit increase ) therefore I shouldn't have had a hard pull if they were conducting account reviews and gave an automatic increase. This pull wasn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Resurgent Capital Services L.P.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I RECENTLY SENT LVNV FUNDING LLC 2 LETTERS ON XXXX DISPUTING THE ALLEGED DEBTS SAYING THAT I OWE AND ASKING FOR VALIDITY OF THE ALLEGED DEBT THAT IS BEING REPORTING ON MY CREDIT.I HAVE ALSO ATTACHED A COPY OF BOTH THE LETTERS THAT I AM SENDING THEM CERTIFIED MAIL BELOW.PLEASE ASSIST ME IN THIS MATTER

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid my mortgage off in XX/XX/XXXX in the amount of {$250.00} with Bank of America. When I did my payoff, they told me that I owed for Home Owner Association ( HOA ) dues in amount of {$2300.00} which I was not aware of, so I started to make payments in the amount of {$62.00} bi- monthly and they are still showing that I owe {$4200.00} as of XX/XX/XXXX. Attached is a fax from XX/XX/XXXX showing that my HOA dues were paid by BOA with a wire in the amount of {$2600.00}. When my house was paid off, I was sent a check for the escrow, so there should not have been any payments taken out after that. When I paid off my house, I was told by the escalation employee ( XXXX ) that I had to leave a dollar in in the mortgage account, so I left the dollar on XX/XX/XXXX and I made one final payment to pay off the HOA in the total amount of {$1000.00} which I paid on XX/XX/XXXX as requested by BOA. I was talking to my HOA when BOA intervened and made the situation much more financially burdensome. The HOA was willing to negotiate with me and I was not aware that BOA had paid the fees until I came in to payoff my mortgage loan. This has impacted my credit score negatively. I have tried to work with Bank of America since XX/XX/XXXX and have not have any success. In the meantime, they are still paying my taxes, which should be coming to me since XX/XX/XXXX. I have repeatedly asked them to stop paying my taxes and I can not get anyone to listen to what I need..

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 2017-08-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Around on or aboutXX/XX/XXXX, I received a phone call from a collection representative by XXXX XXXX, he advised me he was calling from XXXX - XXXX XXXX XXXX XXXX XXXX. about a debt with XXXX ( XXXX ) XXXX XXXX. I advised him that I never lived at the residence he was speaking about and stated that this was fraud. After the call, I checked my credit report only to see that a judgment had been entered against me on XX/XX/XXXXin the amount of {$2300.00}, in XXXX District Court. I called back immediately, and spoke with another representative, in which, I provided him with this information as well as the reference number XXXX XXXX. A few days ago, I received a credit alert upon checking, it shows that this company has put this on my credit report with the dollar amount of {$4000.00} and the account was supposedly, opened on XX/XX/XXXX.
I called again on XX/XX/XXXX, and spoke with XXXX XXXX  again, once again, I provided him with the same information and asked him why they put this on my credit report and the amount and opening date of this account is wrong. I asked him how can you put an account on a person credit report with wrong information. He said that I need to fill out some paperwork and I did n't so therefore, they had the right to do so. The paperwork is about fraud because, I told him that this account was n't mines. I am still trying to get this matter straightened out. However, I want them to remove this account from my credit report since, it is already showing the account has a judgment. I want to know how, they can change the amount from the judgment entered by the same company. Please investigate this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: AMERICAN EXPRESS COMPANY
State: FL
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: Overcharged for something you did purchase with the card

Complaint:
Back in 2017 my American express card # XXXX was involved in an internet scam. 
I applied for a job in the internet with NY company as a procurement, went though the on-hire process were I gave them my personal information, including a copy of my credit report. 
Prior to my starting date the company made contact with me and explained that they couldn't get me on payroll yet and that i was on a trial period, they way to operate in the mean time was for them to paid off one of my credit card balances or deposit some money in one of my credit card so i could make the purchases. I stupidly gave them access to my American Express two days later they made a deposit for {$4000.00} that reflected on the account, they sent a list of purchases to buy electronics in XXXX XXXX and XXXX  and at that point i realized there was something very suspicious and the have taken control of my account information. I called American Express to let them know that something was wrong an to returned the money which they did and everything went back to normal in my account for 2 months then without me knowing by XX/XX/XXXX the account was tempered with again however since there was a warning in the account XXXX  proceeded to return the funds back again making the mistake and in stead returning twice the amount by wire and by electronic check debiting my account double. For 5 months I tried to resolve my fraud case with XXXX  who in turn after 27 years of relationship denied my claim that was being investigated through an XXXX department. I reopened the case 5 times every month with the help of a lady XXXX in the USA who was able to figure out what went wrong but by XX/XX/XXXX she retired and the case was left lingering and unattended I opened again though XXXX but no responses were achieved. In XX/XX/XXXX they reach out to me to demand collection but morally and ethically i couldn't move forward to pay a debt that was American Express mistake. 
XXXX transferred me to collections know and i continue unemployed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: WELLS FARGO & COMPANY
State: KY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
This complaint is related to my XXXX XXXX ( CD ) with Wells Fargo. I contacted them on XX/XX/2021 via telephone to close out my CD account. I was told this is not something we can do over the phone that I would have to go into a branch office. I told them we don't have a branch office in my town and the account was opened online and I should be able to close it over the phone. They then told me I would have to send in a notarized request to close the account. I asked if it was okay to notarize the request myself since I'm a XXXX and they confirmed it would be okay. On XX/XX/2021 I contacted them to see what the status of my request was. They didn't have any information for me but did tell me that in order to close the account I would have to send a written and notarized request which should also include the affirmation that I was aware and acknowledged there would be an interest penalty. I asked if I could file a formal complaint because the two people I talked to before had not informed me of that. In the meantime I was able to download a preprinted request to close my account. I filled it out and had it notarized and sent it again today. Additionally I initialed the form acknowledging I was aware of the interest penalty. Today, XX/XX/2021 I received a letter stating that I had to resend my request and have it notarized. Additionally they wanted me to call and confirm my identity. After talking to two people yesterday neither one of them asked me to confirm my identity! I'm tired of the run around and just want to close my account out~ I am a senior citizen and I feel that I've been given much wrong information and I want others to refrain from putting money in a Wells Fargo CD XXXX  account. I'm attaching the original letter sent on XX/XX/2021 and the second letter sent on XX/XX/2021 and the follow-up letter received from them on XX/XX/2021

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 2020-09-11
Company: JPMORGAN CHASE & CO.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

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 response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Freedom Mortgage Company
State: OR
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:
Freedom Mortgage has incorrectly reported that we missed a mortgage payment in XXXX 2017. This is completely wrong. I have never missed a mortgage payment and this is injuring my credit score. Freedom Mortgage has shown a pattern of incompetence ; losing our forms, " accidentally '' blocking us from online account access, and being closed at crucial times during business hours. Although our mortgage was thankfully transferred to another company, we are so fed up with them and hope that a penalty can be assessed against them for the stress that they have caused with their false reporting.

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