BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-02
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I am attempting to transfer an HSA account from " XXXX XXXX '' to " XXXX ''.

My XXXX XXXX  account included a self-directed brokerage account provided via " XXXX XXXX ''. This account is opened by XXXX XXXX on my behalf.

I submitted my transfer request to XXXX   on XX/XX/XXXX, and they forwarded this request to XXXX XXXX. My XXXX XXXX account, which is opened/closed by XXXX XXXX, was closed and liquidated back to my XXXX XXXX  account on XX/XX/XXXX. This is noteworthy because it confirms that XXXX XXXX received my closure request no later than XX/XX/XXXX.

It is now XX/XX/XXXX, and XXXX XXXX has still not forwarded my funds to XXXX. There has been no activity sinceXX/XX/XXXX. The funds have been sitting in my XXXX XXXX account, earning below-market rate interest.

On XX/XX/XXXX I was charged the {$2.00} monthly fee, despite my intentions to close the account.

I have attempted to contact XXXX XXXX by e-mail, online chat inside online banking, and by phone. E-mail and chat representatives are not willing to help, and direct me to call instead. I have tried calling and the phone system will take my information, place me on hold for 10-15 minutes, and then hang up on me, presumably because nobody is available to take my call. Nobody is willing to help me.

I suspect XXXX XXXX is dragging their feet to charge additional monthly fees and earn the spread in interest rates between what they earn and what they pay me. I can not prove this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-02
Company: LEXISNEXIS
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:
I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the C.L.U.E . report and other furnished Lexis Nexis regrading all personal information of mine.

This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.

My information is clearly shown below :

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This account is a student account that I opened in XXXX. This checking account is from Citibank and has no fees. They no longer have this program but grandfathered me in to continue using it as such since I have been with them for years and have had no problems which means the fees are waived. I dont keep a lot of money only enough to keep it open since I am currently waiting on a XXXX SSI/SSA claim. I had an ending balance of {$2.00} that I never withdrew as of XX/XX/XXXX. As of XX/XX/XXXX I was given a fee of {$12.00} without warning and right after an overdraft fee of {$34.00}. My account says that It is overdrawn - {$43.00}. I currently dont trust this bank anymore as I also believe they reordered my transactions to charge fees.

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 2017-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
Card declined for no reason. When I call to clear the purchase, am on hold for over an hour and still no answer. I need the card for my business. Bank of America has no respect for its customers. This should be resolved in 30 seconds with an automated system.

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 2018-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
After looking through my credit report, I had sent over information in regards to getting my credit report fixed as there were a number of inaccuracies. 

I have a very common name and when I asked for verification of the debts from the bureaus none gave me the information ive requested. I specifically asked for the names of the people that verified these debts with and they have never given me that information or responded. This has almost irreparably harmed my ability to apply or receive any loans and veteran benefits like a VA Home loan that will allow me to provide a roof over my families head. 

These companies have had all types of security issues among other issues and this continously affects others that rely on these services I just want some resolultion and I need to get these issues solved.

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 2021-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
A.account which i was told was last paid XX/XX/XXXX is still reporting as due to come off in XXXX. XXXX XXXX

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 2020-07-20
Company: AMERICAN EXPRESS COMPANY
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is with American Express in the amount of {$1300.00}. I paid it in full on XX/XX/2019 
I sent credit bureaus proof the it was paid off. American express is not removing as outstanding on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
ACCOUNT/LOAN NUMBER : XXXX XX/XX/XXXX : Completed refinance with XXXX XXXX sold my mortgage to XXXX. 
XX/XX/XXXX : XXXX XXXX sold my mortgage, DBA as Nationstar. 
XX/XX/XXXX : Escrow change increased to {$3000.00} ( no explanation from Mr. Cooper ). 
XX/XX/XXXX : Escrow adjustment increased to {$3000.00} ( Again no explanation ). 
XX/XX/XXXX : I set up Autopayment through Checking account in XXXX of {$1300.00} ( actual monthly payment {$1300.00} ), effective About XX/XX/XXXX - I got alert from Crdit Bureau companies, initially XXXX and my bank and XXXX ( since I set up fraud alert ) of change in my credit. I login into these accounts only to discover that it is from mrcooper, my mortgage company. 
XX/XX/XXXX : I contacted mrcooper. Initially, was told of escrow adjustment " that XXXX did not transfer correct amount, and the crease is due to that adjustment. Further inquire, was for me to contact their dispute office via emailing for late fee charges. I made double payment in XXXX and XXXX through direct payment. 
XX/XX/XXXX : I wrote to XXXX to dispute the late fee and issues of escrow increase due to XXXX allegedly late transfer of my mortgage more than 10 months. 
XXXX XXXX : I received a letter that mrcooper can not waive the late changes because of late paymnet of XX/XX/XXXX. I verified with XXXX of any insufficient fund in my account, which was different from what I was told on the phone. 
XXXX XXXX : i further reached out to mrcooper, this time, I was told of due to escrow adjustment, there is increase, and mrcooper pro-rated escrow and I was advised to reach out to my county Assessor office. I called them, and I was told that my home annual assessment comes in XX/XX/XXXX. Could dis be deception or gimmick from mrcooper mortgage. 
Resolution # ( without taking responsibility ) : XXXX ; XXXX, XXXX XX/XX/XXXX : I filled for removal of the negative credit report since mrcooper, and its agent failed to furnish me any information of notice before negative information is reported and failed to furnish information notice information after information is reported. XXXX XXXX, they sent me letter that they will not remove the negative report since it is they responsibility to report of no mortgage payment was received. Yet, I told them that they are autopayment, and they have not furnished me adequate and convincing information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I bought my home on XX/XX/XXXX. NewRez/Shellpoint started the mortgage after re-finance on XX/XX/XXXX. I have been paying mortgage insurance ( PMI ) of {$140.00} per month. I requested the bank for PMI removal and the bank asked me to sign a letter authorizing an appraisal, which we sent them on XX/XX/XXXX. The appraisal amount came out to be {$860000.00} on XX/XX/XXXX. Since the loan balance was XXXX, the LTV is <75 %. But the bank denied our PMI request stating a set of generic reasons. We have been following up with the bank for 1.5 months to find out the reason for denial and remove the PMI. After 10 follow-up phone calls and 2 dispute requests, I got the reason from the bank that the PMI removal request was denied because " no substantial improvements were made to the home ''. They also state that the PMI would not be removed until XX/XX/XXXX unless substantial improvements are made to the home. I don't find this clause anywhere in any agreement documents, nor did I find anything from online resources. Also, substantial improvements sound very subjective and not well-defined. Also, I found from the documents that the bank should automatically remove the PMI when the LTV reaches below 78 %. Attaching " denial letter '' and " dispute response letter '' as provided by the bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: SUMMIT FUNDING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I received a bill for my property tax on my new condo. Being my first property I was unaware that property taxes were to be paid by my lender due to it being included in escrow. I have contacted them 6 times 5 times since and have only been met with excuses. My bill was {$3200.00} Ive done all I could and am just looking to get my money back and I didnt see any other choice then to file a claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Receivable Solutions Specialist, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2018 I received a phone call from XXXX from XXXX with Receivable Solutions Specialists , Inc. saying ( 1st phone call ever and never received an invoice of dept ) : " Good morning this message is for XXXX XXXX my name is XXXX calling in regards to a personal business matter. Will you please return the call at XXXX ext. XXXX. Your reference number is XXXX thank you. '' It appears when speaking to them on XX/XX/2018 Supervisor XXXX advise me that the bill was pulled from XXXX XXXX XXXX in the amount of {$31.00} and should have never been acted upon on calling me. I received another call from XXXX and left another message advise me to call her. I call back to XXXX spoke to Supervisor XXXX advise me that the bill was pulled from collection and she will call the billing department to check into this matter closely and send me out a bill in which I never received before. She then threaten me that this will go onto my credit report. This bill was paid and I should not own any other dept from an automobile accident. Why did it take them so many years to contact me about a {$31.00} bill that the auto insurance company has taken care of. Please look into this matter because it appears to be threatening to me for someone who tells me that this will damage my credit rating and as a consumer I was not advise of this bill until XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: TRUIST FINANCIAL CORPORATION
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Since XXXX  I have been out of work ( Non essential and I live in CT where they bring us back to phase 2 like nothing ) So my load with Sheffield was extended, once I reached the Max extensions and STILL was not working due to XXXX, I called and actually requested what they called " Special '' permission to get more of an extension beyond what they normally do for 1. The state I live in simply shuts down every 10 mins, 2. Unemployment ran out and 3. at the time of my asking for the special permission my entire family actually had XXXX. 

Thank God my request was approved on XX/XX/XXXX, I get a call today saying it was NEVER approved and I'm now late and they will be reporting it to my credit and would hear NOTHING!!!! 

How is this legal? and during such a trying time in this country? 

Not to mention I believe our Gov in CT put an order that all installment loans and Mortgages are suspended while we are on this phase.

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 2020-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Whom It May Concern : My complaint is with Bank Of America ( BOFA ) Mortgage Servicing. I have a conventional mortgage with BOFA. In XXXX I successfully had my property taxes reduced {$4200.00} per year. The judgement went into affect on XX/XX/XXXX ( see attached documentation ). On XX/XX/XXXX, I faxed the attached request for my property tax escrow to be reviewed to BOFA. I used the fax number that was provided to me by BOFA via online customer service ( XXXX ). In mid XXXX I received a revised escrow analysis that actually had my monthly payment going up from {$4000.00} to {$4000.00} per month. Since this did not make sense to me, I have tried to contact BOFA numerous times of the last couple weeks before my increased payment goes into affect on XX/XX/XXXX. After probably 3 hours on hold XXXX no joke ) and talking to multiple people, I finally found my way to XXXX XXXX who told me the fax number I was provided has not been monitored for 2 years. On XX/XX/XXXX I emailed the attached fax ( that went to unmonitored number ) to XXXX and was told it would be resolved that day and she would call me back. It is now XX/XX/XXXX and I have not heard back from XXXX despite my attempts to contact her over email. 

BOFA Contacts : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX 's manager ) - XXXX CFPB, I believe this behavior by BOFA is unacceptable and seek any help you can provide.

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 2018-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
My family and I have been earning and accumulating miles through the Bank of America XXXX credit card fairly according to Bank of America XXXX credit card T & S and promotion. We've booked our award flight through XXXX XXXX earlier in the year ( XX/XX/2018 ) for travel in XX/XX/2018, using the accumulated miles. In XXXX, we've received an email from XXXX Revenue Protection automated system, stating " the reservation booked under confirmation code XXXX will not be allowed travel, ... the account used to book the flight has been suspend. ", and that we needed to call XXXX. Speaking with the XXXX XXXX   agent, they've requested government issued ID of the travelers, which was furnished. About two weeks later, we received email from their XXXX XXXX agent XXXX, demanding an amount of {$9100.00} for the miles we've used..and " payment will need to be made in full with a money order made out to XXXX XXXX. '' Multiple attempts trying to reach the XXXX agent failed. Every time we speak with an XXXX XXXX specialist, they would come up with different story why the miles can not be used, from " the accounts owe Bank of America money ... .the accounts has not paid annual fee ... Bank of America has frozen the miles and you can not use them ''. After contacting Bank of America multiple times, they have expressed concerns why XXXX XXXX is placing the account on hold when the points were earned and annual fee were paid. They were also shocked when we've told them that XXXX XXXX agent requested Money Order for the miles used.

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 2020-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On Transunion, XXXX  and XXXX, it seems that credit cards and other inquiries have been carried out with me requesting them. It seems that the card company periodally do this and it affects my credit. Then it lowers my credits score when I pay my bills on time, I have recently paid off two cars and mortgage has never been late. I can not understand why on all my credit reports it show a low credit score. The companies that have recently conducted inquires on my report is what I am referring too. Please review this, these errors need to be consider and changed. I believe that my credit score is really too low for someone that pays there bills on time. 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 2020-05-15
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX a fraudulent charge was made on my US bank debit card. I noticed the charge and called card services. The money was temporarily deposited back. 
XXXX I received a letter from card member services that the charge would be allowed and would be taken out of my account on the XXXX. I called on XXXX and was told to wait for a return call. Received a return call on XXXX, was told they allowed it because they had my contact info, I tried to explain my information had been stolen through a fraudulent website, the call cut off. I tried calling back several times finally left a voicemail. XXXX I called again was told it was still pending and wait for a return call, did not receive a return call and the money was taken out of my account on XXXX. XXXX I called again to try to speak with someone else, was transferred to 3 different people. Result of that call was for me to wait for a return call from someone else. Im just getting the run around and no help at all.

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 2019-08-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have been overpaying my loan to pay down the principal as fast as possible.  Today I received a letter that stated that my overpayments will not be applied to my principal but to other fees before principal reduction.  This is to make more money off of me illegally in violation of the original loan agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Credit Card Receivables Fund Incorporated
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: Their investigation did not fix an error on your report

Complaint:
Its not a valid debt and Ive requested them to validate it but they have not and they have been calling my coworkers and discussing this debt with them. I want it removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Experian Information Solutions Inc.
State: NC
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:
show tooltip button XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX   XXXX  filed ftc 40 days ago

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