BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
BANK OF AMERICA. 

XX/XX/XXXX : Got text message asking for my authorization of 3 transactions ( XXXX XXXX - {$1200.00} DECLINED ) XXXX XXXX ( - {$1200.00} DECLINED ) XXXX XXXX ( - {$450.00} APPROVED ), said NO and my card was restricted and will be having to get a new one. Login and see that another unauthorized transaction under XXXX XXXX ( - {$590.00} APPROVED ) has been processing. 

XX/XX/XXXX : The - {$590.00} has officially posted to my bank account so I called Bank of America asking for a status update and would be told that I should receive a resolution to this dispute in 10 days. The - {$450.00} was successfully disputed and I got the money back from it. 

XX/XX/XXXX : Temporary Credit of {$590.00} has been posted while they continue investigating. 

XX/XX/XXXX : Another message that my account has been temporarily credited while my claim is being researched. 

XX/XX/XXXX : Claim is in RESOLVED status and Bank of America is saying that the - {$590.00} was authorized and correctly posted on my account, the money will be taken out of my bank on XX/XX/XXXX, will file a complaint to the CFPB tomorrow and call bank of america again to dispute and ask for the documents they relied on to make the decision. 

XX/XX/XXXX : Calling Bank of America as soon as they're online at XXXX CST, I called and the representative said she will file a claim for reconsideration and it will take about 45 days to hear a response, filing a complaint now, was provided no official proof that she filed a claim for reconsideration and still have not received any documents of how they reached the conclusion that I authorized the 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 monetary relief
Consumer complaint received 2020-11-14
Company: QuickClick Loans of Illinois, LLC
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I spoke to XXXX XXXX of brook wood loan who agreed to settle account in full for {$450.00}. After back and for communication, XXXX accepted payment and agreed to delete in totality from repository. 

Upon checking my XXXX, this account is still showing derogatory. 

I'd like to request that brookwood loans honor agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Professional Medical Management, Inc.
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:
I have a loan with Financial Recoveries. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and Financial Recoveries with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-16
Company: Radius Global Solutions LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
collector is not licensed in Az collector has my personal information including my social security totally illegal

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: HYUNDAI CAPITAL AMERICA
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX reported a 60 DAY late payment on my Credit. 

I have returened my XXXX XXXX after lease was over to the dealer, on XX/XX/XXXX. 
On XX/XX/XXXX i received a collection letter from XXXX XXXX XXXX that i have a balance of {$220.00} for bumper damage on my car. Which i paid the same day hoping that they will not report to credit bureaus. 
The problem is that when i was returing the car back in XX/XX/XXXX at the dealer they told me that i do not owe any money to XXXX XXXX XXXX for bumper damage or any minor scratches beacuse i had an Excess Wear & Tear Protection for {$5000.00} and i have all supporting documents. 
I tried to dispute the error with XXXX XXXX XXXX but they do not want admit their mistake and remove that 60 day late from all major national credit bureaus. 
All my attempts to exlain them that i would never miss a payment and damage my credit history, specailly that i have 2 other open accounts with XXXX XXXX   XXXX, and have always made my payments on time, did not convince them to currect their mistake. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They never admit that they are a debt collector and that they are attempting to collect a debt. The information they have is incorrect. It lists XXXX XXXX as the employer ( XXXX  XXXX XXXX XXXX ) when my employer was XXXX. They are listing insurance that I did not have at the time I was admitted to the hospital. The insurance that I had and still have that should have covered the bill was Nevada XXXX. I called the hospital and Nevada XXXX is listed as the primary insurance. I have directed them to the billing department for the hospital and the insurance company but they refuse.

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 2021-03-25
Company: Aargon Agency, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX is trying to collect on a bill that the balance is showing wrong and i never owed that amount 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 2021-05-26
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I tried to get a loan on line and the company giving the loan was a scam they deposited funds in my account where i had to return them to raise my credit score chase bank held the checks for days and still cleared the funds knowing it did not have my signature on them after they cleared the funds I was under the impression that the company giving the loan was good so after I returned the funds to raise my score chase put my account at a - XXXX dollars where at that time I knew there was a problem so I contacted chase and asked why my account was at a - they told me that the funds that the finance company giving the loan altered checks that were deposited in my account where I explained them checks came from a finance company named XXXX XXXX financial for a loan I was trying to get, I then got copies of the checks in the mail and seen they did not have my signature on them so I asked chase why did they clear them they did not have a answer and told me I am responsible to pay back the funds when they know I am a victim of fraud I am not responsible for this scam committed against me and feel chase is wrong. They also took my sisters XXXX check that was deposited in the account and cashed it when they should not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
TRANSUNION FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS MOREOVER THEY FAILED TO PROVIDE THE INFORMATION ON FILE FOR ALL THE DISPUTED ITEMS PURSUANT TO SECTION 609 OF THE FAIR CREDIT REPORTING ACT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My servicer is Ditech Financial LLC. I received Trial Period Plan for a mortgage modification XX/XX/XXXX with this company. I made all three of the payments as required for XXXX- XXXX, XXXX and XXXX. I was suppose to receive a permanent modification in XX/XX/XXXX. When I did not receive said documents at the conclusion of my trial payments, I called Ditech and spoke with a representative to inform them of the situation. The representative told me she would have another copy sent out to me. It is now, XX/XX/XXXX and I did not receive the documents. I called Ditech today, this morning and spoke with a represented named XXXX extension XXXX and informed her of my situation of no permanent modification documents. XXXX told me she would have another copy sent out again. I am seeking CFPB assistance in this matter, because even though I believe XXXX will do her job, the previous representative at Ditech told me the same thing and nothing happened. In fact, XXXX informed me that the last communication in my file was that the document were delivered back in XXXX ; and no new copy was requested or sent out. I already informed the first Ditech representative that I did not receive this package and that was why I was calling her for another one. However, that conversation I had with the first Ditech representative was not noted in my file and this worries me. It is as if Ditech is refusing to send me my modification documents if they would erase the conversation I had with the representative stating I did not receive them. Why would they erase the call? This behavior worries me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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:
I have these items that are not mine and i want them to be removed from my credit. 



XXXX 1. Identity Theft BK OF AMER Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account Number : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

XXXX  1. Identity Theft XXXX  XXXX Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXXXXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine.

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 2021-08-16
Company: ALLY FINANCIAL INC.
State: CT
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:
I have these items that are not mine and i want them to be removed from my credit. 



XXXX  1. Identity Theft XXXX XXXX XXXXXXXX Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

XXXX  1. Identity Theft ALLY FINANCI Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXXXXXX XXXX XXXX  Account Number : XX/XX/XXXX This is not mine.

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 2021-05-26
Company: Bepensa Capital, Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
CREDITO REAL USA FINANCE , LLC XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX. HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$7400.00}. I HAVE PROOF MY CAR INSURANCE PAID FULL BALANCE!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Experian Information Solutions Inc.
State: TN
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:
I'm very frustrated and highly upset. I've been trying to reach this bureau for their investigation results with no response. I've sent letter via certified mail dated XX/XX/2020, XX/XX/2020, and XX/XX/2020. It has been well over 60 days and this is not right. Please send the results of the investigation immediately!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my mortgage about 6 months ago due to separating from my wife and then my mother passing, two of the roughest moments in my life. I tried to reach out to Carrington to make up my payments but they wanted everything in full, which being on a fixed income of SSI, I could not realistically do. Then the other day I received a Notice of Trustee sale for a sale date of XX/XX/2018,  not even 10 days notice to prepare for other options or try to seek for help. I am aware that the Notice of Trustee sale should be notified within 22 days of the sale date which it was not. I am familiar with the HBOR laws and I was never provided with a point of contact throughout this foreclosure process, Carrington never offered or told me to submit documents to be reviewed for any type of assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: WELLS FARGO & COMPANY
State: SD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This complaint is in addition to CFPB case XXXX, an open case. 

As stated this occurred in 2007 as a refinance through Wachovia Bank that was bought out by Wells Fargo as Wachovia had financial trouble. Wells Fargo continues to state I did not disclose the XXXX XXXX XXXX XXXXXXXX HELOC and that I signed an application that did not have the HELOC listed. The Wachovia agent said it wasn't listed because there was no balance and only accounts that had balances can be listed on the written application and the Wachovia agent was notified that this account was a HELOC. It is up to the underwriters of banks to establish or catch mistakes made by their agents, not the customer as customer pays a credit report fee ( {$340.00} if I recall ) to establish the current accounts where this HELOC would have been listed and was in addition to the disclosure made and while it had a XXXX balance, Wachovia never entered it on the written application that I signed and was their explanation why it wasn't there. 

What is evident and by evidence of other bankers was Wachovia,  being in financial trouble, gave notice to their employees to close as many of these mortgage refinances as they could get in 2007, much like Well 's Fargo directives to employees to create fake accounts that caused major mistakes in the banking industry and now Wells Fargo who purchased Wachovia Bank doesn't want to take responsibility for their mistake and incompetence in loan origination and underwriting responsibility ... which is their responsibility, not the consumer. 

These complaints were filed through the Office of the Comptroller of the Currency, a NA bank regulator and not the CFPB which is interesting why this ended up here as the actions taken by Wells Fargo is in fact a criminal matter.

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 2019-01-04
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
XXXX  's website does not allow access to credit card information online anymore. Every time I call they try and tell me it must be my browser. After arguing repeatedly with customer service they admit they are having technical issues with the website. This is unacceptable in this day and age. Its absolutely ridiculous that I can not monitor activity on my account.

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 2020-05-30
Company: WELLS FARGO & COMPANY
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: Investigation took more than 30 days

Complaint:
I have filed a dispute In regards to the incorrect items on my credit report. It has been well over 30 days, and I have not received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: SUNTRUST BANKS, INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
SUNTRUST BANK has continued to fail in being able to manage the simplest of accounts.

I have explained and shown ALL supporting evidence to the local bank manager, and explained that I don't have a fax machine and have to pay for city parking as well as sacrifice half my day to constantly correct SUNTRUST BANK errors.

Now, they are requesting I fax " A sales receipt. '' for a transaction that NEVER happend with SUNTRUST. 

SUNTRUST never paid the seller! 
XXXX doesn't show the transactions! 
SUNTRUST refused the charge THREE times and then keeps the money making me have to file a dispute.

I had to pay with another bank since SUNTRUST is incapable of being reliable on the basic level.

I can't fax " A copy of the original sales receipt ( s ) '' Proof of payment by other means ( receipt, copy of front and back of canceled check, copy of credit card statement with full account number ) Because that's not how this purchase works. 

SUNTRUST stole the money. 
XXXX shows no successful transaction because SUNTRUST refused the charges. 
Yet SUNTRUST is trying to keep the money because that is what SUNTRUST does. 

I've attached a screenshot of the successful transaction from my XXXX account. 
Please note : the {$1.00} difference is from a " XXXX credit '' I used on another transaction, but the seller and dates are the same.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have an existing account with Sears.

Received marketing material stating I'd been upgraded to the Sears XXXX and that I'd have to " opt out '' if I didn't want. 

I contacted Sears and declined, but no Consumer should have to " opt out '' of credit they didn't request. This could indirectly impact someone's credit ratings through no fault of theirs.

Interest rates - 26.74 % Late Penalty - {$38.00} I believe this approach to credit is simliar to the " XXXX XXXX '' disaster.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On my Transunion credit report, there is XXXX XXXX/XXXX XXXX credit card which reports : " Maximum Delinquency of 120 days in XX/XX/XXXX and in XX/XX/XXXX ''. This can not be possible, since the Date Closed was XX/XX/XXXX and Last Payment Made was XX/XX/XXXX. 

I disputed the information through Transunion, stating that the late payment information was incorrect. This dispute was " resolved '' by the company stating that the information was correct, without any documentation or evidence. 

A dispute into adverse information should have to be resolved by proper documentation. Transunion should not report adverse information ( especially after a dispute ) in which a company simply states is correct. If the company can not prove the late payments, they should be dropped. 

I then contacted the company ( XXXX XXXX ) and was told that my account had been sold and that there was no records of my account history. XXXX, who the account was sold to, could not help me either, since they were not the reporting party. I am stuck between two companies, neither of which have any willingness to 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