BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-14
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone used my personal information to obtain a Forever 21 credit card. Forever 21 issued the credit card even though the application address did not match my name and address. The credit card was issued to someone in Illinois, I believe. I have never lived in that state. 
The debt is {$1400.00}. The credit card company turned the debt over to XXXX XXXX XXXX. XXXX XXXX XXXX is now pursuing collection from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-03
Company: Coinbase, Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
Executed a deposit of XXXX Litecoin ( worth approximately {$3000.00} ) on XXXX XXXX, 2017 to GDAX exchange. While the transfer shows completed, the currency did not show up in my account. Have called and contacted support many times with no resolution in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: RentDebt Automated Collections, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Rent automatic debt LLC saying I have XXXX evictions I owe XXXX XXXX. Same apartment complex XXXX  at XXXX XXXX in XXXX tx with XXXX different account numbers I had a bounced checks and pets don't have checks our pets never could provide documentation with my signature or a copy of the bounced check no point of contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was scammed on XXXX. Unfortunately I did not read the " how to avoid being scammed '' before I got scammed. I advertised an elliptical machine and the ad was answered by someone saying they were interested in the equipment but were out of town and wanted the piece shipped to a location by movers. This is the text he sent me on XX/XX/2016 -Ok, i will like to purchase it asap, i am very much okay with the price, but i wont be chanced to come around to check it properly, am currently at Out of the state, I will be paying you via check so after the check has been deposited and it cleared by you i will ask my mover 's to come for the pick up at your location and i will add {$50.00} to it for keeping it for me, thanks. - I received a check for {$1900.00} on XXXX/XXXX/16. I deposited it that day. ALL of the funds were available on XX/XX/2016. I went to XXXX to send {$1400.00} to the buyer via XXXX XXXX on XX/XX/2016. The buyer retrieved the money and I waited for the call for him to send the mover to pick up the equipment. The next thing I see is the check was returned item chargeback.and a XXXX dollar return fee. I called my bank and asked why the funds were available to me the day I deposited the check if the check had n't really cleared. They said it was BOA 's policy because I was a long term customer of Bank of America ( 40 years ) the funds were made available as a courtesy. Very bad policy I asked BOA to return the XXXX dollars to me because even though I did something dumb and got scammed on XXXX I would never have sent the XXXX XXXX money to the sammer if BOA did n't make the funds available immediately. All they returned was the XXXX dollar fee after escalating the call as high as BOA would let me. I 'm asking you to have the bank make good on my money because of the terrible policy they have in effect.

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 2016-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have a Bank of America home loan that was supposed to close on XXXX XXXX 2016, and that date was guaranteed by BOA 's " Close on Time '' guarantee. The guarantee states that BOA will pay {$500.00} if they fail to meet the closing date. The Loan Officer at BOA ( XXXX XXXX ) dropped the ball along the way, and as a result, BOA failed to meet the closing date ( though he never explained exactly what he did to cause the delay ). I have the email from XXXX XXXX notifying the title company and the seller 's real estate agent that BOA would not be able to meet the guaranteed closing date. His exact words were, " I am so sorry but at this time, the closing can not happen on Friday. XXXX is aware of the situation and we are remedying what needs to be fixed. To make it clear, he is not at fault, we are. '' Despite this clear admission of fault, BOA decided not to pay the guarantee. 
Even more perplexing is the reason that BOA gave for not honoring the guarantee. They determined " the delay was due to the seller delaying the closing as he/she/they were out of town and required a mail-out ''. But BOA has the events completely backward. The seller was in town on XXXX XXXX ( the original closing date ) and available to meet at the title company to sign the documents. The seller moved from XXXX to XXXX the day after the scheduled closing date ( XXXX/XXXX/16 ) and only required a mail out of the documents because BOA pushed the closing date back a week ( to XXXX/XXXX/16 ). Had BOA met the guaranteed closing date, the seller would not have required a mail out. 
I explained this to the Loan Officer, XXXX XXXX, and he appealed the decision, but the appeal was denied. I then contacted his Supervisor, XXXX XXXX, who examined my file and indicated that he had identified the source of the misunderstanding. He assured me that he would resubmitted my claim and was confident that I would receive a satisfactory result. That was in XX/XX/XXXX and I never heard back from him. I have since attempted to contact him via email and left voice mails but have received no response. 
Both XXXX XXXX and XXXX XXXX declined to provide me with the name of the department that handles these decisions. So, with no other means of recourse, I am hoping that filing a complaint will result in BOA honoring their guarantee by paying me the {$500.00} I am due.

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 2017-01-20
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Mislead Into going to a school that promised so much career opportunity and growth but instead got brought into a student loan debit that has become so large to even repay and now my former school ( XXXX XXXX XXXX ) as completely shut down and is and tried to work out a payment option or have the loan forgiven but is still giving untrusted information on what to do by Navient

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Forbearance In XXXX of XXXX, I started a forbearance under the CARES ACT since I have a USDA loan and I was not working my full hours due to COVID-19. I was told by the person initiating the forbearance that once it was over the bank would either put the payments at the end of my loan or help us come up with a payment plan to repay the payments missed. The forbearance ended and I made my first payment XXXX of XXXX. I spoke with someone from BB & T trying to get things figured out on how we were to repay. I was told I to make my current payment every month until the bank figured out how I was going to repay the forbearance. I was sent a package in the mail to apply for a forbearance. I called them and told them I didnt need to apply for one we were trying to figure out what we were supposed to do concerning the payments missed. I was told that was the paperwork I needed to fill out. I filled it out and sent it in. I received a letter stating that I forgot to send in one of the pay stubs requested. I found the paystub and sent it in. Some time passed and I received a letter saying my forbearance request was denied. I called again and was told that someone had put it in the computer that I was applying for a forbearance. They said they would fix it and send us out more paperwork to fill out. It was the same paperwork and I was told that I still needed to fill it out so they could figure out what my repayment options were. I filled everything out and sent it in. I got a letter saying that I was missing a paper, even though I filled everything they sent and mailed it to them. I was sent a letter saying they could not verify my income even though I sent in more paystubs. I called again and was sent out the same paperwork. I filled it out, and mailed it to the address they gave me. I received a letter in the mail with a check in the amount of the house payment I had made in XXXX and I called them. I was told they never received my paperwork and they had closed my mortgage account. I asked her what was the address I am suppose to send the paperwork to and she told me she did not know. She then told me I had until XX/XX/XXXX to pay the entire past due payments from the forbearance including fees and interest ( {$10000.00} ) plus an additional {$700.00} to reopen my account and any payments missed since the closing of my account. My payments during the forbearance was about {$560.00}. I have made every payment on time since the forbearance ended with the exception of the payment they returned ( XX/XX/XXXX ) and the one they refused to take ( XX/XX/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 2015-11-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Shopping for a loan or lease

Complaint:
Listed price on the window $ XXXXThis is Range Rover 2014. 
Lease is for 48 monthsMonthly payments $ XXXXResidual value after 48 months on contract is {$38000.00}. 
24 months have gone byso question is if I pay {$1600.00} for 48 months is equal to {$81000.00}. 
Almost paying off the car. 
The lease deal is not at all right, Monthly should not be between $ XXXX based on my previous lease experience. On checking back with the dealer, I was told that I have already signed the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXXDept of Ed amount {$140.00} 15 U.S. Code 6802 ( b ) ( c ) Opt out, I was never given the opportunity to exercise my rights to opt out of having this alleged debt reporting on my consumer report.

15 U.S. Code 1681 a # 2 exclusions and ( B ) Any authorization or approval 1602 ( L ) Term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. This does not state anything about reporting of student loans is not credit.

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 2022-03-20
Company: AXOS FINANCIAL, INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have an Axos Bank account with their Axos Invest product. I never opened the account, but it was created after a previous bank ( XXXX ) was acquired. I immediately disliked Axos 's customer service and responsiveness, so I closed my Axos Invest account by selling off all securities in the account in early XXXX. 

Fast forward to XXXX and receiving tax filing documents. Axos sent me a 1099-Combined that omits the tax basis for the sale of nearly {$17000.00}. This means my tax liability will be much higher than it should. 

They have been completely unresponsive to resolving this issue, and the tax deadline is approaching. 

I have called Axos Bank on the following dates this year to resolve : XXXX XXXX ( x2 ) XXXX XXXX ( x2 ) XXXX XXXXXXXX ( x2 ) -XXXX  XXXX My customer portal interactions with Axos in XXXX have been on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( x2 ) XXXX XXXX See Case # XXXX Every time I message or call, Axos marks the conversation as " closed '' while saying they have no ETA on when they will deliver the cost basis. 

I have 2 friends who used this service and are experiencing the exact same issue. If consumers aren't carefully reading the documents Axos sends them, they will not realize the potentially XXXX XXXXXXXX in incorrect tax liability, especially if using a tax filing website like XXXX. What Axos is doing is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: Ditech Financial LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Despite being supplied information to the contrary, Ditech Financial LLC continues to attempt collection of a debt that was defaulted on by the original creditor. Ditech Financial LLC continues to report this debt to ALL major consumer reporting agencies. 
This debt was previously held by XXXX XXXX XXXX XXXX and it was extinguished in XXXX XXXX Case XXXX. ( Documentation attached XXXX Ditech Financial LLC has been emailed these details by our attorney, yet still persists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXXDept of Ed amount {$140.00} 15 U.S. Code 6802 ( b ) ( c ) Opt out, I was never given the opportunity to exercise my rights to opt out of having this alleged debt reporting on my consumer report.

15 U.S. Code 1681 a # 2 exclusions and ( B ) Any authorization or approval 1602 ( L ) Term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. This does not state anything about reporting of student loans is not credit.

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 2022-07-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XXXX XXXX, 2016 a Notice of Lien was filed on my account with Bank of America in the amount of XXXX from an attorney. Bank of America doubled the amount and put " on Hold '' XXXX. I made several phone calls to explain the CASE # is the same even though the judgment and notice of lien was filed as joint. After several phone calls and visiting the Bank of America branch on two separate occasions due to the person in their legal department told me to go into the branch and sign a " early payout '', the branch rep typed up a form however the amount was NOT correct so I could n't sign it, no resolution to the problem and my account continued to be charged. On XXXX XXXX XXXX was debited from my account and I was charged XXXX twice, once for me and once for my husband. On XXXX XXXX XXXX and XXXX was debited from my account. As of XXXX XXXX, 2016 the attorney has NO RECORD of Payment and Bank of America can not tell me where my money has gone. So, for a lien of XXXX, my account is out a total of XXXX and no one ( after 13 calls and two visits to the branch ) can tell me where those funds have gone. I am on Day 17 with no sign of resolution in site. With no explanation my fees for overdrafts is totaling over XXXX between the bank and creditors that items were returned to. Since XXXX XXXX, I have agreed to release the funds, and no one can seem to assist me. I did not dispute the lien, I wanted to pay this but having my account debited on three separate occasions and the amount of time it has taken for them to resolve this issue is criminal. I believe when they got the order on XX/XX/XXXX after they took their fees of XXXX, the only funds available were XXXX, however on XX/XX/XXXX payroll was deposited and all the funds were available, but no one ever looked back at the account to report that, even with me calling and begging them to help me resolve this. I do n't normally look at things like a conspiracy but how can I not think this delay was all to earn additional fees. This has created a disaster of my finances and I have felt so in the dark on what to do. The only notice I received from Bank of America was on XX/XX/2016 in both mine and my husbands name for the amount of XXXX, no other notice was ever received from the bank.

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 2016-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Due to a bounced deposit check, Bank of America closed XXXX checking accounts of mine and reported the accounts to XXXX as " possibly fraudulent ''. This was without contacting me in any way, shape or form to discuss the check. I tried contacting BofA through the phone but get pushed around between departments without any department being able to correct the issue for me with XXXX. Because of the closing of the account, my wife and I are unable to obtain any bank account with any bank and are on the verge of being evicted because checks are the only form of payment our landlord accepts. 

I have taken multiple steps to get in touch with BofA 's risk management team to correct the issue with no avail. I have even mailed formal letters of intent to sue with no response. Unfortunately, BofA 's headquarters are outside of my state and the process of suing them over this is far more expensive than I can afford. All I want is the information to be corrected and updated with XXXX. I appreciate your assistance in the 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