BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This is my third complaint of how I am being treated by Bank Of America Home Loans Department. I received a nasty phone call from a representative from Bank of America. Her name is XXXX XXXX. Phone number XXXX ext XXXX. This representative from Bank of America spoke to me in the way that was very disturbing. I've been going through this battle with the Bank for over 2 years! It has been very hard to deal with. I am only trying to get a modification to lower my payments and keep my home. XXXX XXXX insist I can apply for a another modification but do not send any more documents to XXXX, Just to send my documents directly to her. Something is not quite about this request. Why doesn't Bank of America want me to send my documents to XXXX. XXXX has been such a big help to me. XXXX XXXX XXXX called me about XXXX XXXX Friday XXXX the XXXX. I later returned her phone call about XXXX. I gave Bank of America all the documents in which they insisted previously before. Even spoke with the appeals department to make any corrections needed, Bank of America still denied me a modification and appeal. Bank of America wants me to FAIL! Bank of America wants to sale my home on the courtroom steps!!. They want to see me homeless. I faxed over Utility bills, home expensives, taxes from XXXX to XXXX, XXXX form and a hardship letter concerning my situation. Back in XX/XX/XXXX, Bank of America rejected the previous buyer request for {$110000.00} to buy my home, so since Bank of America rejected the offer, I didn't want my home to go into Foreclosure, So that's why I am asking for a modification. My home is only worth {$70000.00}!!, but Bank of America wanted {$140000.00}!!. I couldn't believe it! Something has to be done about this situation. I am fighting to keep my home. Bank of America did not agree on the sale price, so I am fighting to keep it!! XXXX XXXX was very nasty to me on the phone today. I need to keep my HOME!! Bank of America also has a lien on my house. What is going on here?? When I tried to sell my home, The Bank was being very difficult, now I am trying to keep it, Bank of America are being more difficult then ever! More government officials needs to see my complaint with Bank of America. Something has to be done about the treatment of these mortgage companies.

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 2019-01-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2018 My wife and I recieved a letter from XXXX XXXX XXXX XXXX ( XXXX ) that our Mortgage was going up do to a shortage in our escrow account. Upon consulting with my attorney I found this was either fraudulent or gravely mistaken. They were going to raise my mortgage from {$1200.00} per month, to over {$1800.00} per month. I contacted XXXX and explained the situation, More than six times throughout XXXX and XXXX, each time was told the situation would be resolved after x amount of time, it was not. I spoke with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and various others that I did not record their names. Customer Service Managers including XXXX XXXX and a woman whose name I can not recall, advised me to not pay my mortgage. Ultimately the situation has been resolved, however, the entire episode is unacceptable, and I am filing this complaint to clarify my previous complaint, which I wrote when I was extremely upset. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: Garrison Investment Group
State: MA
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:
The credit company XXXX XXXX requested a copy of my credit report without my permission. The request was made XX/XX/18 without first contacting me and requesting my authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022, I started receiving emails thanking my for joining TD bank with numerous accounts, CD account, checking and savings accounts. I had never in my life tried to open an account with TD Bank. I had never heard of this bank in my entire life. I immediately called the bank 's customer service number and was shunted to the fraud department. I was asked for my SSN which I did not give out as this seemed very fishy to me. On the XXXX I drove to the nearest branch of TD bank in the adjoining state. I provided my social security card, passport and driver 's license. I was treated harshly and was told my SSN was not involved in said accounts and I was to told to not worry about this fraud. I was told that this is a normal clerical error. 
Today, XX/XX/XXXX, checks from this account were mailed to my prior address, and I assume an ATM card is to follow. I find it very strange that my XXXX name XXXX prior address XXXX email address associated with this account could be the result of a clerical error. I again called the Fraud Department at TD BANK and was assured that there was nothing wrong with this scenario. I need help to end this nightmare of inefficiency perpetrated by TD Bank. This is obviously a case of fraud but they are not the ones to face the problems this will create. Please help me in this matter as I have no one else to turn to. 
Thank you, III

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2018 I responded to a XXXX advertisement for an XXXX basketball game. I contacted the seller and we exchanged phone numbers to complete the sale. I was told to transfer the money via XXXX and in return would receive the tickets through flashseats. Seeing as though XXXX was an app that Bank of America used as it's means of transfer, I trusted it thinking that my bank would protect me in cases of fraud or scam. I transferred {$800.00} through XXXX to the seller and unfortunately after the money was transferred the seller never replied back to my messages. This is when I realized it was a scam and the next morning I called my bank and filed a claim. I was told I would receive a letter from my bank within 5-10 business days on the status of my claim but that letter was never received. However, through my bank account online I was able to check my claim status and the claim was " resolved '' and I was not given back any of my funds. A bank is supposed to protect their customers and the fact that I was able to transfer a large sum of money with no guarantee of protection is ridiculous. A system like XXXX that Bank of America, a world-renowned company is so proud of and has featured on their banking app should be able to offer their customers protection in cases of scam and fraud.

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 2019-10-04
Company: EQUIFAX, INC.
State: WY
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:
please update this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC-XXXX ( XXXX ) XXXXAccount Number : XXXX, to the statues of paid off and paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX my friend sent me XXXX $ worth of bitcoins on my coinbase wallet. I tried to reset my password on coinbase account since I have not used it in a long time, when I did It logged me out from all the devices and now they have this 2F security system which sends you the code on your phone and everytime it does that it sends me the wrong code! it never recognizes the code it sends me and it says " error invalid '' everytime. I tried to reach out to coinbase by Email, live chat, phone and all the social media and I am not getting any response. I want to unlock my account and send my money to my bank account and be done with COINBASE! they are scam website!!! 

Please help Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Navient Solutions, LLC.
State: MO
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 my credit report it shows navient has wrote it off and a loss. But when i look on my report it shows the increased my balance by XXXX dollars. This is ridiculous. I have had nothing but problems with them. I tried to contact about my account when it was still openers to set up payments and they told me to call back in 7 days. I did this for a while until I seen that it was a ride off on my credit. Since my account is closed why is my account keep raising. They are horrible people. I mean someone ca n't make XXXX dollar payment but said they would try for a XXXX and the decline it. At least I was trying. Worthless company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Experian Information Solutions Inc.
State: WY
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:
please update this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NCXXXX ( XXXX ) XXXXAccount Number : XXXX, to the statues of paid off and paid as agreed.

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 2018-09-12
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I purchased {$120.00} worth of Bitcoin from Coinbase.com on XX/XX/18. After the purchase they notified me that they would be accepting my purchase and taking my money immediately but withholding the Bitcoin indefinitely. I called them up minutes later on the day of the attempted transaction and tried to cancel it, but they refused. I have contacted them pretty much every day between XX/XX/18 and today ( XX/XX/18 ) asking for them to either refund my money or give me the Bitcoin I purchased and they have still refused to do so. No one would ever purchase an investment at its current market value but not take ownership until an unspecified time of the brokers choosing, I know I would never agree to that and have not agreed to in this situation. But that is how Coinbase.com insists they do business. I still have neither my money or the cryptocurrency I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX and Transunion are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX  CARD partial account number ****XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this issue, however I have not been successful.

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 2018-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I am a senior citizen now and have a fixed income, social security check and I also work part time and have a pension. I filled out a credit application on XX/XX/18 for an auto loan with XXXX XXXX in XXXX Ma. They sent my application to 3 different banks and all 3 denied me credit because of the following : Proportion of balance to credit lmt too high on revolving accts Amount owed on revolving accounts is too high Too many accounts with balances Too many recent credit checks I have never asked for or applied for any credit in years, so I believe the last statement is not valid. I have had credit cards for over 20 yrs. and have never missed a payment or never been late on any card. I am able to manage my money. My daughter and I own our home together and each pay half of the mortgage, utilities and food. This is how I am able to manage my money. I need a car to get to work, grocery shop errands, etc. and have never been denied credit to get a car. Currently I lease a car and it has worked out great for me. The car is due back by the end of next month. Now, because I've been denied credit, I'm so afraid to go anywhere else to try and get another car. I have to have a car and I don't know where to turn or what to do .... I'm so worried and anxious all the time. My credit score on the letters says it is XXXX and the other 2, XXXX. If I look online, XXXX has it as XXXX. I believe this is a good score. A car is a necessity, and if I've never been late or missed a payment, I feel I should not be denied. The following are the names of the companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-11-18
Company: SECURITY FINANCE CORP
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
The issue im having and so are a few other people with the loan company " Security Finance '' is that they are not reporting anyones credit. They claim its corporate wide with some kind of system issue, which its been like this since XXXX or XXXX. Ive taken out 2 loans one from them and another from " XXXX XXXX '' which XXXX XXXX has reported monthly and also that ive closed the one from them. Security Finance however has not reported even once since ive been with them but yet they can make a hard inquiry on my credit for a 2nd loan, and still not report any of my on time payments. 

There are also many complaints online everywhere about them not reporting anyone 's credit this year..

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 2019-10-04
Company: EQUIFAX, INC.
State: CA
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:
Equifax and XXXX  are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX CARD partial account number ****XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this issue, however I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Bank of America fail to give a form to change my minimum payment of {$50.00} in which I do not know why it is {$50.00} because I requested them to assign the credit card for the minimum balance. Online doesn't go thru. My account is being blocked from changing my minimu

m payment. Bank of America my account and charge me {$39.00} FEE every month. Now, they are taking the {$39.00} + interest fee + the payment. They believe that they own you and that the client has no Rights! Their customer service is extremely disrespectful and Managers are the worse plus they hang up the phone when you ask for an explanation. They do not know why, they just know that by charging the client, they can keep their job. That is not fair for the client.

I have two cards with them and the other card has a lower balance. Bank of America definitive does not care about the client. My card is more then 10 years and suddenly, they are trying to be difficult. 

I want all the fees that Bank of America has been charging. There is a payment set up and they had fail to help me update my account. When I tried to do it online it does not go thru. Bank of America keeps charging my account highers fees every months because they do not care about the client.

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 2019-10-04
Company: General Motors Financial Company, Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I turned my lease in XX/XX/XXXX. XXXX XXXX XXXX. On time no issues. I received a letter dated XX/XX/XXXX from GM Financial Leasing stating they accepted my lease return and I would be billed for end of lease fees within 45 days. I never received this bill. My credit report showed the account was closed. I thought the car sold and I owed no fees because I never received a bill. Fast forward to XXXX of XXXX ; 8 months later. I have a new lease with another company and I never heard from GM ... ... .until now. I received a bill dated XX/XX/XXXX, stating I owed the disposition fee of {$420.00} ( including taxes ). This amount was due XX/XX/XXXX. They bill me 8 months later and give me 15 days to pay. I called them 3x and emailed their ebox that the call center gave me fro complaints. No written response as requested. When I called each time they stated I owed the contractual fee and if I didn't pay I would be reported to the credit bureaus. They stated the bills were sent out late due to the car wasn't processed until XXXX. I'm assuming as an oversight and shouldn't be my problem. 
*****Why is this my fault? The disposition fee is on the lease agreement to be billed at the end of the lease. I have a letter stating they would send a bill within 45 days. They did not. How do they get to bill me whenever they want? This is very deceptive. They made an error in timing and give me 15 days to pay? I paid today XX/XX/XXXX, because I have over an 800 FICO score and didn't need the headache of another fight. I want the leasing banks held accountable for their billing practices and should not be allowed to bill customers whenever they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: CL Holdings LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Back in XX/XX/XXXX, I settled an old collection account I had with XXXX XXXX XXXX. Two months have passed, but the companies will not allow this account to update as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I am a senior citizen now and have a fixed income, social security check and I also work part time and have a pension. I filled out a credit application on XX/XX/18 for an auto loan with XXXX XXXX in XXXX Ma. They sent my application to 3 different banks and all 3 denied me credit because of the following : Proportion of balance to credit lmt too high on revolving accts Amount owed on revolving accounts is too high Too many accounts with balances Too many recent credit checks I have never asked for or applied for any credit in years, so I believe the last statement is not valid. I have had credit cards for over 20 yrs. and have never missed a payment or never been late on any card. I am able to manage my money. My daughter and I own our home together and each pay half of the mortgage, utilities and food. This is how I am able to manage my money. I need a car to get to work, grocery shop errands, etc. and have never been denied credit to get a car. Currently I lease a car and it has worked out great for me. The car is due back by the end of next month. Now, because I've been denied credit, I'm so afraid to go anywhere else to try and get another car. I have to have a car and I don't know where to turn or what to do .... I'm so worried and anxious all the time. My credit score on the letters says it is XXXX and the other 2, XXXX. If I look online, XXXX  has it as XXXX. I believe this is a good score. A car is a necessity, and if I've never been late or missed a payment, I feel I should not be denied. The following are the names of the companies : XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-04
Company: JPMORGAN CHASE & CO.
State: PA
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:
JPMCB Card continues to place hard inquiries on credit file for dates XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX. Requested authorization of signature and company fail to comply

Company response to consumer: Closed with explanation