BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a mortgage with Bank of America, I did a loan modification last year and all way good. This past XXXX they raised my payment {$700.00} and said it was because my escrow was short {$5000.00}. I asked why this amount was n't added into the modification. They told me it was missed. I was also told that I could do another loan modification in a year and I was at 8 months from my last XXXX. So I did n't make my XXXX, XXXX, XXXX, XXXX payments and I started the loan modification process in XXXX. after a lot and I mean a lot of faxing, explaining, and showing prof of earnings. I get an answer, I do n't qualify. That same week I get a letter saying Its not 12 months to do a re loan modification it 's 24 months. So I filed a complaint with the CFPB and got a response from Bank of America with in 2 days. I was assigned a Customer Relations Manager. I talked with him and was told he will work hard to come to a resolution to the complaint. Now I 'm behind 6 months on my mortgage. He tells me to make a payment for XXXX of {$400.00} more then my original modification amount. So I did, he says now I 'll only be behind 6 months behind and my XXXX payment will only " Get this would be {$100.00} more then, my original loan modification. Then I get a letter in the mail XXXX/XXXX/2015 saying that a escrow review was conducted and my escrow account is now NOT negative. I call Bank of America today to Just find out where to send my XXXX payment. The customer care guy says that my house is in foreclose and a sales date could be at anytime. he also tells me that I 'm 7 months behind not XXXX. I asked to speak to my Customer Relations manager, He says I am no longer assigned XXXX. Also he tells me that Bank of America will not except any payments, The only payment that they will except, is XXXX that will bring my mortgage current. So I ask him whats the total amount to bring it current, He says I do n't know. He 'll have to email the lawyer that is handling the foreclose. I said, can I contact him, He says no, I ask to talk to my customer relations manager, He says no he 's not allowed to transfer me. So in short of it all. Bank of America took me on a 6 month, Stressful and pointless circle for {$100.00} which set me back 7 months on my mortgage and looks like getting foreclosed on. Thank you Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX a Wells Fargo XXXX was sent to a person I have never heard of in the amount of XXXX. That money was provided to me through 2 different loan companies to pay my rent. I filed a fraud claim on XX/XX/XXXX, closed the account that my money was stolen from, and opened a new account with added security as the bank suggested. I was told by the bank that I was approved for provisional credit but the bank denied me. Wells Fargo denied my claim on XX/XX/XXXX stating I compromised my account by giving the loan companies the information to make a direct deposit into my account. I have never sent money through XXXX and its illogical to think I would send someone all my money that I dont know. The agents were rude and I felt like I had been victimized twice. I went to the XXXX XXXX branch and they refused to help me. I offered to let the investigator at Wells Fargo look at my phone but I was told that wouldnt be necessary. Wells Fargo then proceeded to push through both payments to the loan companies when my account balance was ZERO. ( Its negative XXXX ). On XX/XX/XXXX I received an email from one of the loan companies stating that Wells Fargo had provided them with my new account information! So, they can deny my claim on an accusation of compromising my account but its okay for them to do it? I have requested, several times that they send me the reason my claim was denied, in writing, but as of todays date XX/XX/XXXX, I havent received anything. The person that stole my money is registered with XXXX because the name appeared on my transaction log so why havent the investigated, questioned, or arrested that person for fraud? As a result of my money being stolen, Wells Fargo not investigating my claim, and refusing to go after the criminal not the victim ... I became XXXX  on XX/XX/XXXX, XXXX XXXX XXXX XXXX, no money for gas to get to work so I lost my job, no money for food which has resulted in me losing almost 40 pounds, XXXX  XXXX, XXXX, and XXXX XXXX. I am a XXXX XXXX XXXX woman that doesnt have anyone to help me. Please ... I am begging for your help in getting my stolen XXXX back and the negative XXXX put back into my account. I never requested overdraft when I opened my account but I did receive a XXXX bonus when my first direct deposit was put in my account. I contacted XXXX but was told that my bank was responsible for allowing this transaction and since I am a victim of fraud, I am entitled to REG E protection. I have also sent a complaint about Wells Fargo to 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 explanation
Consumer complaint received 2015-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
My name is XXXX XXXX, and I put in an offer on XXXX XXXX XXXX XXXX, XXXX, VA XXXX on Tuesday, XXXX XXXX, 2015. I sent my documents to my realtor at XXXX who in return sent the offer to the sellers agent. The property is a short sale, it 's been on the market for approximately 410 days. I received a call back a few hours later on the same day stating the bank had declined my offer. It 's ironic how it took the bank 4+ months to decline an offer of {$190000.00}, however, it took the bank less than 4 hours to receive and decline my offer of {$200000.00}. Therefore, I want to verify that Bank of America reviewed my offer and took the correct steps of declining the offer. I did n't receive any type of written decline. Therefore, I 'm hoping the compliance department can perform their due diligence and provide me with some guidance on the process of declining in less than 4 hours. Most financial institutions leave paperwork on their desk for more than 4 hours before getting an opportunity to review it. My phone number is XXXX. Also, the offer was accepted by the seller.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Bread Financial Holdings, Inc.
State: FL
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:
While checking my credit report, I notice an account from Comenity Bank XXXX that I believe is not being reported correctly on my credit report. XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that Comenity Bank XXXXc is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
THIS HAD TO DO WITH U.S. BANK AND I HAD ALREADY MADE A COMPLAINT, BUT BECAUSE THEY ARE BETTER EQUIPPED TO TO GIVE A BETTER RESPONSE THAN MY CLAIM I LOST, AND THAT WAS NOT EVEN FAIR, AND THEIR RESPONSE WAS NOT ON POINT, MY COMPLAINT WAS OVER SUM TRANSACTIONS THAT THE BANK HAD MADE AND THE AMOUNT OF TIME TO BE DOING THIS TIMED OUT ON THEM, NOT ME, THEY PLACED ME AT FAULT, AND I WAS UNDER THE IMPRESSION THAT MY BANK IS SUPPOSED TO PROTECT MY BETTER INTEREST, AND WENT LIKE THIS, I WAS MAKING PAYMENTS OVER A 10 MONTH PERIOD, WHEN I WAS DONE MAKING PAYMENTS THAT EQUALLED {$7800.00} I COULD NOT REACH THEM ... .. I HAD MY BANK RECALL THOSE 10 PAYMENTS AND THEN THEY CONTACTED ME, AND TALKED IT OUT, AND AT THE SAME TIME THE BANK IS SENDING ME LETTERS STATING THAT THEY CAN NOT ASSIST ME WITH MY DISPUTE AND SO I WENT TO THE BANK AND HAD A MONEY ORDER MADE OUT TO THE SAME PARTY THAT I HAD THE 10 PAYMENTS RETRACTED FROM AND I DELIVERED THE PAYMENT FOR THE TOTAL AMOUNT MYSELF TO THEM AND THEN MY BANK STARTED PUTTING THE 10 TRANSACTIONS BACK INTO THEIR ACCOUNT AGAIN???? AND THEIR REASON WAS, THEY SAID I DID NOT RETURN THE LETTERS THAT THEY SENT TO ME ONLY 1 OR 2 OF THEM MADE IT BACK, SO I CALLED THE DISPUTE LINE AND EXPLAINED WHAT WAS GOING ON, AND I HAD THEM SEND ME THE LETTERS AGAIN, AND I FILLED THEM OUT AND EXPEDITED THEM BACKIN THE MAIL, AND THEN THE BANK STARTED TO BRING THE 10 TRANSACTIONS BACK TO MY ACCOUNT AGAIN, EXCEPT THIS TIME ONLY FOUR OF THOSE TRANSACTIONS WERE COMPLETED AND THE REST THEY ARE MAKING ME THE RESPONSIBLE ONE FOR IT AND THEIR EXCUSE FOR IT, IS THAT THE TIME ALLOWED HAD BEEN EXCEEDED AND I DONT UNDERSTAND HOW THAT TRANSLATES INTO ME BEING RESPONSIBLE FOR THAT? BECAUSE BY THEM INITIALLY BRINGING BACK ONLY FOUR OF THE TEN TRANSACTIONS TRANSLATES INTO THEM REALIZING THAT THEY MADE A MISTAKE AND WERE IN THE PROCESS OF FIXING IT AND THEN STOPPED, IM NOT DOING ANY OF THIS STUFF, ITS ALL THEM PUNCHING THE KEYS AND NOT ME, BUT BECAUSE THE REPORT THAT THEY SENT BACK SOUNDS BETTER THAN WHAT I WROTE DOWN AS MY COMPLAINT I LOST, AND THE ONE GIVING THE REPORT WAS NOT EVEN INVOLVED, SO HOW CAN HE EXPLAIN BACK WHAT HAPPENED, ESPECIALLY WHEN THERE WAS MORE THAN 10 PEOPLE I SPOKE WITH, I DONT KNOW HOW MUCH MORE UNFAIR THIS COULD BE? I AM STILL NOT GOING TO PAY THEM, I KNOW RIGHT FROM WRONG AND THIS IS WRONG ... ... ..

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 2017-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
I disputed XXXX charge with BOA and they did not reassert the charges when provided BOA with evidence that I mailed the item to the merchant and the merchant accepted the package.

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 2022-02-11
Company: BSI Financial Holdings, Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan Servicer, BSI Financial, has failed to reimburse the borrower for insurance premium paid out of pocket due to disbursement sent by the servicer not being received by the recipient timely. Failure to pay the insurance premium risked cancelation and lapse in coverage. I have made several phone calls, and 5 emails, and do not receive any response, except for an auto reply that they are working on the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: U.S. BANCORP
State: NV
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 credit card with US BANK. 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. XXXX and XXXX are reporting me late. I tried contacting XXXX, XXXX and the US Bank with no successful resolution.There was definitely an error on their part. I was never 30 days lateXX/XX/XXXX and 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 2016-10-26
Company: CITIBANK, N.A.
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I have been a XXXX XXXX XXXX for over 20 years. Throughout this entire period I have used credit cards issued by the bank. Since I do not reside in the United States, I have always asked my banker, XXXX, to pay my credit card statemetns with funds abailable in my account. Every month she send me copies of the statement and I give her a direct order to liquidate the outstanding balance. On the beginning of XX/XX/XXXX, XXXX informed that I had a credit card debt to pay given my expenses throughout the month of XX/XX/XXXX. I asked her directly in writing and over the phone to liquidate the debt. XXXX refused to, as per my explicit instructions, pay the debt outstanding, even though there were, and are, more than sufficeint funds to cover the amount due. I have asked her to provide an explanation, preferably in writing, as to why I am unable to use my account. Since the early days of XX/XX/XXXX, when we first discussed this issue, XXXX has not yet provided me with a clear explanation as to what is happening to my accounts. I have asked if my accounts are frozen to which I have not receieved any reply. XXXX has asked me for a wide assortment of documents which I have dilligently provided but I am still unable to access my accounts in any way, and, what is most troubling, have not received any kind of response. I fear that with an unpaid balance I could suffer deleterious effects to my credit score, not to mention the XXXX penalties and interest rates I will have to pay. Furthermore, this is my retirement money. I am suffering from terrible anxiety because I do not have any idea what is happening to my accounts and I have no idea what I can do to remedy the situation.

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 2017-04-27
Company: Experian Information Solutions Inc.
State: FL
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:
Good Day As of  XXXX   XXXX ,   XXXX   I have on numerous occasions contacted   XXXX    to dispute inaccurate information and/or accounts listed on my credit report. I specifically asked them to please investigate and validate the information that is being reporting in writing and to no avail I have not received a valid response from  XXXX  the only thing I received is a new credit report with the items updated as new and accurate. This information is invalid. I am asking for assistance with this matter as this information is causing me hardship. In addition to  XXXX  not responding or deleting this information they continue to add fraud alerts to my credit report which I have asked in writing to be taken off! I want any and all fraud alerts to be removed IMMEDIATELY! The accounts in question are as follows --  XXXX   XXXX  account #  XXXX  $  XXXX  ***unverified account --  XXXX   XXXX   XXXX   account  XXXX   XXXX  $  XXXX  unverified account --  XXXX   XXXX   XXXX   account  XXXX   XXXX  {$540.00} *************** unverified account --   XXXX   XXXX   XXXX   account  XXXX   XXXX  {$1400.00} **************unverified account --  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  account  XXXX   XXXX  {$0.00} unverified account They have ignored all my request to provide me with the documents that they have in their files that they used to verify the disputed above accounts. And according to Sect ion 611 ( 5 ) ( A ) of th e FCRA -- they are required to PROMPTLY DELETE all information which can not be verified! I would like my rights under the FCRA to be enforced! I demand these accounts to be verified or deleted IMMEDIATELY sincerely  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 non-monetary relief
Consumer complaint received 2015-04-17
Company: CITIBANK, N.A.
State: MN
Product: Credit card
Issue: Billing disputes

Complaint:
On my XXXX XXXX credit card were additional charges outside of the one I had made to fly to XXXX. A few months after arriving in XXXX, I had noticed these additional charges and disputed them first with XXXX XXXX, who after a month refused to do anything. Then I disputed with CitiBank. I was told the time would XXXX days until a dispute decision was made. 

I never received an update. After contacting CitiBank, I was told that the dispute had been resolved and I would see a credit of XXXX on my statement. 

The statement was posted, but no credit was received. I contacted them again, I was told on the next statement date. Which would be XXXX/XXXX/2015. Now it is XXXX/XXXX/2015, and I have checked the statement, and there is still no credit. I contacted CitiBank again, and was told to wait until the next statement. 

Every month, I am being charged interest on the total amount I owe plus the XXXX. This is illegal what they are doing. They need to go back and refund all of the interest paid, and the XXXX to the balance of my account. 

A complaint is also being filed with the Attorney General and the Federal Trade Commission. 

I have copies of all of the chat transcripts and documents sent and received. 
Chat Transcripts, Unauthorized Charge Affidavit and Letters, Statements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I contacted protfolio recovery services in regards to XXXX debts that were showing on my credit report. While on the phone with portfolio r/s they told me they have " XXXX accounts on file '' XXXX of which were time-barred debts I had no knowledge of. After requesting Information on XXXX debts that were NOT time barred and may be valid, I hung up with portfolio r/s and called my wife to inform her of what I found out. I have just found out that after that conversation ; my wife called portfolio r/s and they discussed these debts with her. Portfolio r/s did not have my permission to speak with my wife in regards to debts that were not " shared '' debts. I feel portfolio was attempting to obtain acknowledgement of time-barred debts ( which I still do n't believe to be real ) in order to sue on debts I do not owe. I found this out today- XXXX XXXX, 2015 after receiving XXXX dispute letters in the mail- XXXX debts I was seeking validation on and XXXX time-barred debts I never discussed with portfolio recovery services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
LVNV already got a judgement against me for this debt and now XXXX XXXX is trying to collect the debt and mailer says its pre legal status as if theyre going to sue me again for the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked Portfolio Recovery to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: EQUIFAX, INC.
State: TX
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 sent you a debt validation letter XXXX days ago asking for your company to provide me with proof that I own this debt, and your company has failed to respond. I then looked at my credit report and noticed that you are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if you failed to validate. Because of your actions, you have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Experian Information Solutions Inc.
State: GA
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:
My credit has been reported inconsistently on all three bureaus. 
On XX/XX/XXXX, XXXX removed late payments from my XXXX credit report and as of today this account is showing no late payments on my XXXX report. This action or update should have been the same on all other credit reporting agencies. I have requested on CFPB previously that this correction needs to happen or have the account completely removed from all three credit reports. This is hurting my credit scores and my ability to obtain credit during this rough time. I need all late payments removed on the other bureaus just as it is on XXXX. or completely remove the 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 explanation