BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Greetings! 



Bank of America is stealing money from my saving account. I had transferred {$2000.00} from my checking account to my saving on XX/XX/XXXX. I had $ XXXX+ $ XXXX= XXXX.
I checked my account few days after the transferring of the {$2000.00} from my checking account to my saving.
I found out I had only {$18000.00} in my saving instead of the 20.000.00. I was extremely surprised & shocked.
I tried again several times. I also tried to print the statement after I checked my account. But it wo n't show my saving account.
I decided to call Bank of America. The person whom I talked to told me that I have {$18000.00}.
I was more upset. Because that means, they really are stealing money from my account. After I confronted them they added few hundred .
Then, I decided to go to XXXX XXXX XXXX on XXXX XXXX, my self to talk to some one.
I 've spoke with XXXX XXXX. XXXX printed statement dated form XX/XX/XXXX XX/XX/XXXX. That 's shows only my deposit of {$2000.00} only. Nothing shows about my saving account.
I told him I 've lost {$1000.00} from my saving account. XX/XX/XXXX told me to bring him my statement to show the saving account that was {$20000.00}.
I know now why XXXX XXXX XXXX  wanted us to have paperless account.
I want to get all my statement in paper. NOT paperless, since XXXX XXXX XXXX is not letting us have any print of our saving account.
This is not the first time XXXX XXXX XXXX steal money from me. My sister too her account was missing {$2000.00} too. But she just decided to close her account with XXXX XXXX XXXX since she does n't live in the States, Sincerely yours, 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 2016-10-26
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My Equifax credit report says I have a delinquency on my student loan in 2012. That is a mistake. I have never been without a deferment Furthermore, I am in the third and final year of the having that loan forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Please have Equifax remove XXXX off my file. They arte collecting for XXXX and has been on my file before as XXXX- XXXX dollars. XXXX has also had several companies to report this item with the same XXXX balance. Account not known to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint:
Today I received an e-mail purported to be from XXXXXXXXXXXX. It read : A change has been made to the e-mail address for your Equifax account. This confirmation message has been sent to the old and new e-mail addresses. 

If you feel this is in error, please call us at XXXX ( XXXX ), 7 days a week between the hours of XXXX - XXXX Eastern Time Zone. You may e-mail us any time at XXXXXXXXXXXX. Or you may write us at Equifax Consumer Services , Inc. XXXX XXXX XXXX, XXXX , GA XXXX. 

Your Equifax Customer Care Team NOTE : This e-mail is for your information, and does not require a response. If you need assistance on this or any other Equifax product, please contact us at XXXXXXXXXXXX, or call us at XXXX ( XXXX ). We kindly ask that you DO NOT REPLY to this e-mail. 
Based on viewing my Equifax report on your site, and my phone calls to Equifax , I can only conclude that this is a phishing expedition on their part to get me to buy protection services from them, as I have not had an account with them for many years, and I certainly did not change my e-mail address. 

Please look into this. I do n't believe they are allowed to use scare tactics ( ie : someone has accessed your account and changed the e-mail address ) to get people to buy protection from them. 
By the way, I did not call the number above, but rather contacted them on their web site number of XXXX XXXX, as I could not be certain the above number was actually them. 
Respectfully ; XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I have XXXX pay day loans that I believe are illegal. I have tried to revoke ACH, but it continues. I went to my local TD Bank on XXXX XXXX, and was told there was nothing I could do to revoke ACH, and the withdrawals have continued. 
The loans do not tell me how to stop ACH Authorization or automatic withdrawals. 
I have had difficulty reviewing the loan document sent, the link is no longer active. I actually have to log in online to review, and the document is no the original, but a new loan they renew weekly. 

I am hurting financially, close to being evicted. I 'm paying almost {$600.00} a month, for XXXX loan of XXXX, since XX/XX/XXXX, and another for {$300.00} since XX/XX/XXXX. They never go down. The payday lenders will not stop withdrawals, the bank continues to allow withdrawal after I asked then to stop.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-24
Company: TD BANK US HOLDING COMPANY
State: TN
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
We reported our card lost to Target. It has been several months and we thought by now they would have issued new cards and fixed the issue. But instead they have locked us out of our account, so we can not access it at all!! We can not make payments us we call in. We can not even see what our account number is!! On your statement they give you an account identification number instead. They have treated us like criminals ever since we lost our cards during our move. They told us we had to fax our driver 's license and social security cards to them for proof of who we are. I refuse to send that information to them over a fax. Something similar happened to me before with another card and they just cancelled the old card and issued a new card. Then they put a security measure on my account that I would get a text each time a purchase was made. They were very nice. But that was XXXX XXXX and not just a department store like Target. I am furious they are treating us like criminals!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This complaint is similar to the one I made on XXXX XXXX, XXXX against XXXX. Since then I was advised that I should also file against XXXX and Equifax , I filed against XXXX earlier today. This Complaint is against Exquifax and is essentially the same as filed against XXXX and XXXX. 

Complaint against Equifax : My credit reports list XXXX Mortgage with " {$20000.00} past due as of XXXX XXXX XXXX ". This is termed a " serious delinquency '' and implies the loan is open and with payments overdue. It is seriously hurting my credit rating and ability to refinance. ln fact, I have no obligation to XXXX since XXXX. In XXXX, XXXX Bank accepted documentation of that and granted me a jumbo ARM loan. Now l would like to refinance with a Fixed Rate loan but the credit reports by XXXX, Equifax , and XXXX are blocking this effort. The fact are as follows : In XXXX, I co-signed the XXXX loan for my sister, XXXX XXXX in XXXX XXXX XXXX, Minnesota. ln the recession, her pay was reduced. XXXX staff advised that we could restructure the loan slightly so she could make payments. I helped her with several payments as we waited for XXXX to work with us. Rather suddenly, XXXX announced that it was foreclosing. Our case was not isolated. XXXX was found to have wrongly written and made loans, wrongly managed them, and wrongly reported on them by several States Attorney Generals, and in a US District Court. My sister received compensation from XXXX following the state and federal litigation. The total compensation was the equivalent of a few loan payments and trivial compared to losing home by my sister and harm to credit for both of us. She seeks no further compensation and her credit has been largely restored in the past two years. 
However, my credit rating is seriously harmed and I can not qualify for the Fixed Rate Loan I would like to replace my ARM. My preferred potential lender states that even though all of my bills are regularly paid including past and present mortgages, they rely on the credit report ratings which will continue to be hurt by this erroneous report, apparently by XXXX Bank as another example of its sloppy reporting finding of the Federal Court. I need my credit reports clear of this approximately 6 year old charge of a serious delinquency on an outstanding loan. Please help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
I am a victim of a job scam, on XX/XX/XXXX as an employee under the person I was told to deposit {$9000.00} to my personal account from a beneficiary account. The employer gave me all the information to add the external account. Bank of America has a verification system for external accounts so I thought this was secure. I was to used the funds to buy bitcoin which I was able to do with {$8000.00} but not the {$1000.00}. The bank said they decided to close my account without any details. At this point I realized I was in a job scam and cut contact from the employer. I reported it to the FBI and called Bank of America in helping the resolution. Later in the year I was told that I would need to pay back the {$8000.00} myself so I filed a claim to dispute the charge. The charge was not lifted due to the fact that I used my card and that their records show a receipt of transaction. But it is still fraud, I faxed 50 pages of evidence with different interactions between me and the scammer and still they stayed with their decision. They clearly don't care about the principal of fraud and more so that it was XXXX being owed. Not their money not their problem so instead of doing a proper investigation they have punished me.

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 2015-06-16
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit card
Issue: Other

Complaint:
I have a Credit card still being reported to my XXXX, according to Ohio law this should be removed from my XXXX after 7 years. As the last reported information on this accounts was on XXXX/XXXX/2004, I am requesting this be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-08
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a dispute with Equifax because they are reporting my bankruptcy us XXXX bankruptcies under public records which has caused my credit score to drop significantly. I provided documents in the original dispute showing that my bankruptcy was discharged in XXXX XXXX and that I in fact only have XXXX bankruptcy. I attached a copy of my discharged bankruptcy. I also, faxed Equifax copies of my ID, social security card, paycheck stub, and current utility bill on XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: DLC, LLC
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
In XX/XX/XXXX I received a loan from Dollar Loan Center in XXXX, CA. I was assisted by employees XXXX and XXXX at the time of applying. During the process I asked both XXXX and XXXX what were the XXXX tables their company charge in interest. I was never given any XXXX explanation from XXXX or XXXX. From XX/XX/XXXX to XX/XX/XXXX I paid XXXX dollars on a XXXX dollar loan. I called numerous times to speak with XXXX and XXXX to ask why the principal of the loan does n't reduce after each by-weekly payment of XXXX dollars and what was in interest charge I was paying since no one explained the APR on the loans they offer. I was never given a clear response from either employee. I was notified after calling every week in XX/XX/XXXX that the XXXX rate I was charged for the loan is XXXX %. I was very upset that I was never informed of the APR associated with the loan. I had maid on time payments for XXXX months not knowing the exact interest I was bring charged. This is very shady and deceptive business practices by Dollar Loan Center. I asked XXXX why she did n't answer my initial question of the XXXX that her company charges. I was told by XXXX that they can only explain their fees by a daily fee charge. I asked XXXX what XXXX in percentage will be to calculate the interest charge. She refused to do so. I never received any documentation explaining I will be charged XXXX % for the loan. I experienced a economic set back that would make it difficult to make the high payments I was making each month. I called and spoke with XXXX and explained the situation to her. I was informed by XXXX that Dollar Loan Center does not work with their customers to make payment arrangements or help reduce the interest. I was told to speak with her XXXX XXXX. XXXX informed me that if I wanted to terminate the loan i would need to pay back the whole XXXX dollars and that the XXXX dollars I have already paid was interest on the loan. Now, After speaking with XXXX, I received daily phone calls from XXXX and XXXX to make payments on the loan after explaining to them that I ca n't and need their help to arrange something but they refused. The phone calls continued daily from different phone numbers and even blocked and private numbers. I asked XXXX why was he calling me from a blocked number if he is calling to collect a debt. I was told by XXXX Dollar Loan Center makes that decision. My wife was also called numerous times even though she was never part of the loan or application. I asked XXXX why he and XXXX are calling my wife and giving out my personal information to her if she is not part of the loan. XXXX replied he can tell her anything since I am married to her. I informed XXXX that is not correct. I was told by XXXX if I had a problem with that to call his XXXX XXXX. Now, Dollar Loan Center is threatening to sue me for XXXX dollars after I have already paid XXXX in payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: AMERICAN PACIFIC MORTGAGE
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a notice from Mortgage company American Pacific Mortgage stating I did not have any hazard insurance on my property. My hazard insurance has been current since loan was opened on XXXX and is good through XXXX. It is paid in full and is part of my escrow payment. When I called in on XXXX the representative I spoke with just said " we will take care of it '' and didn't ask for any details, not even the insurance company I am with ( which they have right in their records ). They are taking out an insurance policy for my house with a premium of {$33000.00}. My mortgage is XXXX and my insurance is less than {$700.00} per year. They are purposely trying to gain money from me and wreck my perfect credit. I was then transferred to the insurance department and she said the address on my insurance doesnt match the home address. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX which are the EXACT same address. Refused to fix the issue.

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 2015-09-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have been having several issues with Equifax. I was recently doing some business with my bank when they told me they were unable to access my credit information because of a security alert that was placed on my account. I was aware of the alert because I placed it owing to the incident where customers information was compromised from the database of XXXX XXXX XXXX XXXX. I placed the alert in XXXX of this year and know that it should automatically be lifted in XXXX. However, I was not sure of the date that it would be lifted. I called Equifax and asked them to remove the alert from my account. The representative said she did n't see one and would speak with her superior. I waited to have this person come to say that she would be able to issue a credit report and resolve the issue ONLY if I sent in my driver 's license and social security card. I told them by doing so, my right to privacy would be violated and I will not send to them such personal information. She said she would not be able to speak with me further. After getting off the phone with Equifax , I decided to call XXXX, the representative there said they would only ask a few questions from my history to confirm my identity then they would remove the alert on my behalf. They did. On XXXX XXXX, I decided to compare my XXXX credit reports on XXXX XXXX. I saw that Equifax has given me a a lower score as compared to the other XXXX Bureaus. On the report, it showed that I have had only XXXX credit inquiry for this year. Equifax listed that I had XXXX. When I checked the details of that, it showed an Inquiry from " XXXX XXXX XXXX '' on XXXX XXXX, XXXX and XXXX ... XXXX hard inquiries from XXXX institution, XXXX days in a row. I called Equifax to resolve the issue, again they said they will not speak to me until I send my Driver 's License and Social Security card to them. I do not plan to send any type of personal and sensitive information to them. I consider such request to be a violation of my rights and privacy and I do not wish to comply to those terms. Furthermore, that information is not required from others living here in the United States and I can not see why I am being singled out. This is my XXXX year living in the United States, I had been granted citizenship in XXXX of this year, I have worked very hard to build my reputation and my credit for the few years that I have lived here. I do not purchase the things that I can not afford and I remain satisfied with what I have worked for but I believe that Equifax is trying very hard to sabotage me and many other persons here in the U.S. because of their careless and nonchalant tactics in credit reporting. I must also add that Equifax has refused to give me my free credit report for this year. Any assistance from your entity to resolve my issue with Equifax would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-28
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX XXXX XXXX has reported to XXXX incorrectly. XXXX XXXX hospital, for {$2400.00} and also {$70.00} which was in litigation and settled on XXXX/XXXX/15, the law suit in our favor and settled all past unpaid medical bills. They settled from {$63000.00} to {$7500.00} all checks were sent out in XXXX of 2015. This should not be on my credit once let alone 2 times

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: TD BANK US HOLDING COMPANY
State: VT
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX I opened a home equity loan account with what was known then as T.D. North Bank in XXXX XXXX All went as was suppose to, I got my payment book, and began making my payments. The amount due was {$180.00}, of which I paid until in XXXX of XXXX I started to pay {$180.00}. A round up of XXXX cents every month. This was because of hearing from many sources that every extra penny paid toward the principle could help shorten the length of payments over time. When the bank now known as TD Bank stopped using payment books, I had to use their monthly statements that they sent to me to make my payments. No problem except I noticed that they were showing a lesser amount of money due each month, than the agreed {$180.00}. With a few calls I found that the amount due was still the same, but the they wanted me to use the extra accumulated funds toward the monthly payment, and not toward the principle. I have had this problem occur several times with this bank, and with frustrating calls to numb skulls who do n't any thing about banking, ending up talking to some one with some experience correcting the problem. Well it has happened again, I called when making XX/XX/XXXX 's payment, I was told it was taken care of. I got a print out from one XXXX XXXX, Loan Operations Supervisor. It showed my account from XXXX/XXXX/XXXX, XXXX payment on XXXX/XXXX/XXXX to XXXX XXXX of XXXX, as well as a letter telling me this was the information I requested. 
I think this speaks volumes to the incompetence of this financial institution. 
When I went to their web sit today to make my monthly payment, I found they had not applied the extra funds to the principle, in fact they are still floating as they have in the past. 
The amount due is {$180.00} per month, I pay {$180.00} each month. a surplus of XXXX @ month. The web site today showed I had to pay only {$170.00}, a difference of {$8.00}. Now if you do some basic math, {$8.00} - : - XXXX c = XXXX, that is XXXX payments I have made with the extra XXXX cents just floating, not applied as I was told they would do. 
I am XXXX, and on S.S., as well as with out transportation. That is why I pay every thing on line when possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hello, Please accept this as a formal complaint against TD Bank , NA. Reason being, I have made several deposits leaving my account in a positive status. I even check my bank account before I use my debit card. As of today, I have been charged XXXX in overdraft charges in XXXX and an additional XXXX in overdraft charges in XXXX. 
I believe that this is a bank error based on the following : 1 ) my check deposits are now taking 2 business days to clear when they use to take 1 business day. Also, I have not received any notification regarding changes to their clearing house. 
2 ) the first {$100.00} available per deposit is NOT being honored by the bank. I would like the XXXX refunded to my business account XXXX as soon as possible.

Company response to consumer: Closed with explanation