BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received my XXXX XXXX, XXXX Bank of America Home Loan Account Information Statement and it is wrong. Bank of America is saying that I must pay {$980.00} which includes my Ground Lease Rent Payments, but there is an overage of {$54.00}. At no time did I request for insurance to cover this loan. 
Please see below for my own calculation : Mortgage is {$670.00} which includes escrow. 
Ground Lease Rent Payment is {$760.00} each quarter. This is {$250.00} per month. Again, I pay {$760.00} each quarter. 
Total to include Mortgage and Ground Lease Rent is {$930.00} Bank of America is charging me an illegal overage of {$54.00} Please correct this problem. 
Just getting a response from them that is incorrect, wrong, will not correct this problem. It will just let Bank of American continue to do what ever they want with their customers. 
We need corrective action from the CFPB.

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 2023-07-05
Company: Prosper Marketplace, Inc.
State: TX
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:
On XX/XX/2023, per the FCRA, I notified Prosper Funding LLC that I elected to opt-out of any and all authorizations I may have provided them to provide my personal non-public information to any non-affiliated third party based on 15 USC 6802 .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX XXXX XXXX   with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30-59 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I brought into the XXXX Branch of Bank of America directly a cashiers check for XXXX dollars from a XXXX XXXX XXXX who purported to buy my XXXX XXXX through XXXX. 

I told XXXX XXXX clerk at Bank of America that this was a cashiers check, and she said that it would clear at midnight on XX/XX/XXXX. I received a note from her that there would be no provisional credit but I could use the money after midnight on XX/XX/XXXX. I then checked the balance several times during the next few days, and it always indicated that the money was in my account. Since the buyer had overpaid for the car, he directed me to use a XXXX Transfer to send XXXX dollars to be used for the transport of the car, which I did on XX/XX/XXXX, well after I had been assured and had relied on BOA that the money was in my account. Then on XX/XX/XXXX the money was debited from my account and I was told that the cashiers check was no good. However, I had done everything I reasonably could to make sure that the cashiers check was good. 

I therefore think that BOA should reimburse me for {$2500.00}

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 2023-07-04
Company: Genesis FS Card Services, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting robo calls from genesis FS card services about a milestone  account. I do not have a milestone account or card. They call at least once a day and use different phone numbers every time. I have blocked the numbers many times but they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX XXXX XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30-59 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/19 Morning- XXXX XXXX XXXX contacted me regarding an unpaid debt from Walmart for approximately XXXX dollars. On this date they threatened to take legal action. 

XX/XX/19 Afternoon- My wife contacted XXXX XXXX  XXXX and asked about said debt and they gave her private information without anything to verify identity including SSN, Pervious address, Full name and date of birth. At this time they demanded a wire transfer of amount stated. 

XXXX- Demanded wire transfer that was told to my wife and wanted the wire transfer number for tracking purposes. I requested a certified letter with Debt lenders information and amount of deft owed to said collector. I was told that they did not have time for that and would sue me using Walmart 's legal Department. Also threatened to put a warrant for my arrest and contact my place of work. 

They continued to contact me multiple times after and I was advised by XXXX XXXX that I did not have to answer calls made by XXXX  XXXX   XXXX. Also that they have to provide a certified letter with Debt lenders information and amount of deft owed to said collector.

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 2018-04-22
Company: EQUIFAX, INC.
State: AZ
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:
XXXX XXXX XX/XX/XXXX-inquiry without approval or knowledge XXXX-XX/XX/XXXX-XX/XX/XXXX- inquiry without approval or knowledge XXXX-XX/XX/XXXX-inquiry without approval or knowledge XXXX XXXX-XX/XX/XXXX-inquiry without approval or my knowledge XXXX-XX/XX/XXXX-XX/XX/XXXX-inquiry without approval or my knowledge XXXX XXXX XXXX-inquiry XX/XX/XXXX inquiry without my approval or my knowledge XXXX XXXX -XX/XX/XXXX-XX/XX/XXXX-inquiry without my approval or knowledge XXXX XXXX-XX/XX/XXXX-XX/XX/XXXX-inquiry without my approval or my knowledge XXXX-XX/XX/XXXX=inquiry without my approval or my knowledge XXXX ca-XX/XX/XXXX-inquiry without my approval or my knowedge XXXX XXXX XX/XX/XXXX-XX/XX/XXXX inquiry with out my approval or my knowledge XXXX XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX inquiry without my approval or my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " YOUR EMAIL HERE ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Ocwen Financial Corporation
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have been paying for my Mortgage through Ocwen Loan Services, and it seems my mortgage has been moved to another company called XXXX ( PHH Mortgage Services ) I need PHH Mortgage Services to report my account information and payment history to the 3 major Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Both Transunion and XXXX  have shown two accounts, one a collection from XXXX XXXX XXXX, and another from XXXX XXXX XXXX, which were successfully removed by an investigation in XXXX of this year as having been reported to them. The information these companies have is incorrect, thus the accounts were deleted from the report. Both accounts were added to the credit report again on XX/XX/18, without notifying me in any way.

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: Experian Information Solutions Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like if Experian can removed XXXX XXXX as a collection from my credit report. I recently disputed this company with XXXX and they removed it from my credit report. I would also like Experian to fully investigate this company as they have failed to provide validation that I owe them the amount.

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 2020-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This item : XXXX ( student loan debt ) is inaccurate because Ive sent them a letter from the address provided on my credit report and it came back returned to sender. I am requesting that the item be removed according to the FCRA. Enclosed are copies of the documentation supporting my position.

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 2020-07-12
Company: Capio Partners, LLC
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: Investigation took more than 30 days

Complaint:
Investigation is taking longer than 30 days. Sent letters to XXXX, XXXX  & XXXX  XX/XX/2020 about inaccurate information on my credit report. 

The following account is inaccurateXXXX XXXX XXXX {$200.00} The following account is inaccurateASSETCARE {$1800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-28
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I applied for XXXX Store Credit card at XXXX or XXXX of 2017. 

I never get their credit card or any of their balance statements to my mail address. 

During XXXX, XXXX and XXXX of 2017, I controlled my card balances at their store with my SSN, if there is any balance, I paid. 

I went overseas, when I turned back to US and I was sure that there should not be any balance, but when I checked XXXX balances, there was XXXX USD or so. These were 60 days late. I paid down all the balance. 

I have no idea how this balance happened, it may be either someone got the Credit Card from my mailbox instead of me or XXXX charged some kind of monthly fee, that I have no idea. 

The 60 days late payment for this small amount is seen as " Serious Delinquency '' in my credit scores and affects my life very badly. 

If I had any chance to get their credit card, I would know the card number and register their online system to eliminate it, but I never got that card. 

I reached XXXX about the issue multiple times, they refused to give me my card number by phone, they refused to delete late payment from my credit reports. 

Once they told me that they can send my statement to my mail address, so I would have a chance to learn my card number, but that statement never reach to me also. I closed my account with them. 

Several times I tried to dispute for that late payment, but they refuse to delete it on my records.

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 2018-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Ive recently contacted XXXX about the inaccurate reporting they have showing on my credit file asking them to remove these inaccurate alleged accounts they claim are mine. XXXX  hasnt complied with the Fair Credit Reporting Act, they have not removed these inaccurate and unproven alleged accounts. I want to make the CFPB aware of XXXX willful non compliance in case I have to move forward with a civil suit against XXXX. 

To XXXX  please delete these inaccurate accounts immediately. 

The alleged accounts are XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX.

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 2018-12-08
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30-59 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: M&T BANK CORPORATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Paid full amount of mortgage to XXXX on XXXX/XXXX/XXXX. 
XXXX assigned my mortgage to M & T Bank. 
As of today XXXX/XXXX/XXXX this payment has not processed. 
Hours have been spent on the phone with multiple representatives and one will say it looks like it should process tomorrow - it never does. 
One rep tells me I have a 60 day grace period when my mortgage is reassigned, another says I will be late on XXXX/XXXX/XXXX at XXXX pm. 
Today XXXX/XXXX/XXXX a representative says she sees no payment and wants me to pay again. XXXX is the confirmation number I was given today. Im very worried that the payment already made may still post, resulting in double payment. Im also concerned this very unprofessional and disorganized process could cause a late payment and I am never late. Three weeks and the money is still in my account. Well see what happens after my second payment today. If this were my company, at least 3 rude, impatient and incompetent representatives would be fired.

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 2019-11-17
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I called and they threatened to arrest me and also curse at me ... they also said that if I dont pay up that police going to arrest me and hold a collection charge on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: CAINE & WEINER COMPANY, INC.
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: Account status incorrect

Complaint:
There is a collection account held with Caine and Weiner from  XXXX XXXX XXXX XXXX for {$270.00} reporting on my credit reports that is inaccurate. This account was paid in full, prior to ever being sent to collections, and should be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have received a collection on my credit report from Credit Management I have not received any mail allowing me to dispute the validity of this debt before they put it on my credit report. Once I have received that I will pay any debt in full once I have reviewed it.It needs to removed from my credit report until then.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-22
Company: AMERICAN EXPRESS COMPANY
State: NY
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 keep getting emails from someone trying to get my personal information. 

I've alerted American Express and they have not done anything. 


I'm receiving emails from : American Express XXXX XX/XX/XXXX at XXXX XXXX To XXXX Message body CardMember Alert American Express logo In regards to Primary Cardmember Image Lock Cards Travels Business As part of our commitment to help keep your access secure, we have detected an irregular activity on your access and we are placing a hold on your access for your protection. 


To proceed, An attached HTML Fillable Web Form is sent with this message. 

- See Attached Information Form, Download and Open to Continue. 



Thank you for your Card Membership. 

American Express Customer Care Privacy Statement | Update Your Email Message information is included above to help you recognize this as a customer care e-mail from American Express. We kindly ask you not to reply to this e-mail directly as messages are being sent from an unmonitored e-mail address. 

2018 American Express. All rights reserved. 

XXXX Attachments in this email may contain harmful content and can not be downloaded. Learn more XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I provided notice of a compromised XXXX account. The investigation has taken over 30 days and has not fixed the error in my report. My notices were not " frivolous or irrelevant '' ; the error is now causing hardship - AI, algorithms, and predictive analytics are biased, inaccurate and a systematic issue. My credit score goes up and down by 10+ points when I dispute out of retaliation or just plain old bias and ignorance. The investigation did not comply with the statute and CRA did not ensure the accuracy of the information transmitted for inclusion in the report. ( 15 U.S. Code 1681n. Civil liability for willful noncompliance. )

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 2021-05-03
Company: Experian Information Solutions Inc.
State: RI
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 noticed a company named XXXX # XXXX AMOUNT {$59.00} reporting this collection account that doesn't belong to me. I was never properly notified about this account by this agency. I would like this account removed from my reports 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 2020-07-12
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Ive tried contacting synchrony bank several times about an account they closed on me without me knowing and they send me emails to pay the remaining balance at the time was {$210.00}. Ive tried to pay them but every time i get hung up on and now they put a late payment on my credit. I can not pay online since they closed the account. Nor can I pay on the phone. I have attached the most recent times Ive tried calling.

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 2021-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 noticed a company named XXXX # XXXX AMOUNT {$59.00} reporting this collection account that doesn't belong to me. I was never properly notified about this account by this agency. I would like this account removed from my reports 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