BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XXXX, XXXXXXXX XXXX  I closed on the Home Equity Line of credit for {$100000.00} with Bank of America. I was told that I should receive my welcome package and starter checks at a later day. Today, XXXX XXXX and I still did not receive my welcome package, nor the checks. I have contacted Bank of America on several occasions starting XXXX XXXX spoke with the agent by the name XXXX XXXX XXXX XXXX - spoke with XXXX from Servicing Department XXXX XXXX XXXX - spoke with XXXX ( she created case # XXXX ) and the same day she connected me with XXXX- he assured me I will receive my welcome package and checks in 2 weeks. On XXXX XXXX I spoke with XXXX, explained her my issue again and she stated that she sees that my mailing address in the system does not contain an apartment number, however I asked the representatives before to make sure my mailing address is correct. XXXX  escalated my cases to new numbers : XXXX and assured me I will receive my documents in 16 days. I did not receive my welcome package, nor the checks as of yet. 

I feel very frustrated and disappointed by the service provided and I think the Bank is not honest with it's customers. I want help in resolving my issue and explanation and apology from the management team.

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 2022-04-11
Company: BYL Collection Services
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2022 ( received letter ) {$150.00} - Debt not mine XX/XX/2022 ( received letter ) {$190.00} XXXXdebt not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: ENCORE CAPITAL GROUP INC.
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX. I have an incorrect account reporting on my credit report from the company Midland Funding, LLC. I sent a validation letter to Midland Funding which was received by them on XX/XX/2020. As of XX/XX/2020 my alleged debt to Midland Funding still has not been properly validated. As of XX/XX/2020 Midland funding continues to report an incorrect /unvalidated/unverified account on my credit report. To my understanding this is against federal law. Also, to my understanding Midland Funding LLC had a judgement against them vs State of Texas in XXXX County TX district court for not acquiring consumer agreements and providing them per alleged debtors request. I have requested a consumer agreement and have not been provided a copy of the agreement as of XX/XX/2020. This is against my federal rights to have incorrect unverified accounts reporting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15
Company: Lending Club Corp
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
During the pandemic I lost my job and couldnt make the monthly payments on my credit card. I tried to postpone the payments until I got a job again and it was postponed only for a month which wasn't enough time. This cause my credit to lower and thus is now causing even more hardships.

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 2020-03-23
Company: EQUIFAX, INC.
State: AZ
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 filed a complaint with CFPB related to a wrong credit report of XXXX  XXXX XXXX XXXX report # XXXX-XXXX and Equifax report # XXXX-XXXX  related to a past due mortgage for XXXX, XXXX XXXX and XX/XX/2019 from XXXX XXXX XXXX XXXX. The Loan was paid by wire from XXXX XXXX XXXX XXXX XXXX  on XX/XX/2019 by wire in accordance with the written payof demand submitted by XXXX XXXX  to XXXX XXXX XXXX. XXXX reported incorrectly the Mortgage unpaid for 4 months to all 3 credit bureau and finally in XX/XX/2019 informed me that the mortgage was paid, balance XXXX and they reach an agreement for a very small insurance shortage of with the insurance company insuring the loan and the Title Company to no fault of myself. XXXX has informed the credit reporting agencies but only XXXX  has corrected the report and revised the credit score while Equuifax and XXXX have failed to correct the information and I was advised in writing that in accordance to the guidelines they had not sufficient information to revise the credit report. all information I have available were submitted to XXXX  report XXXX and Equifax report XXXX. I do not understand how information are sufficient for XXXX  but NOT for XXXX  and Equifax and an application of mortgage refinance with XXXX XXXX was suspended due to the low score registered with XXXX  and Equifax while the score with XXXX  was sufficient for the refinance process.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
XX/XX/XXXX, I applied for a secured card from Wells Fargo, and was approved. The secured card fee is {$18.00} per year. I was told numerous times that as long as I paid on time, and had my account in good standing, that my account would be reviewed every six months ( XXXX and XXXX ), and that I would be eligible for my secured card to " graduate '' to an unsecured card within a year as long as I maintained positive history with the bank. 

It is now almost XX/XX/XXXX, and while my credit score has improved drastically, and I 've been given XXXX additional credit cards - XXXX from XXXX XXXX, another from Wells Fargo ( which is unsecured ), Wells Fargo refuses to graduate my card to unsecured status. Additionally, Wells Fargo has, several times, increased the limits on both the secured and unsecured card, yet, they will not graduate my card, instead keeping my deposit, and charging me a yearly fee to remain a cardmember. This is fraud on their end, as I would have never signed up for the card if I had no possibility of being graduated within a reasonable period of time. Each year I 've had to pay an {$18.00} fee - for the first year ( XX/XX/XXXX ) this was acceptable, but for subsequent years ( especially after Wells Fargo had deemed me creditworthy enough to issue a *completely new, unsecured card* ), I should not have been billed {$18.00} and my card should have graduated. I 've now spent {$72.00} in fees ( {$18.00} x XXXX ) on a card that, I was told when I applied, would be graduated within 6 month - 1 year as long as I remained in good standing and paid on time each month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
The company changed my account type without informing me that they would be doing so in advance. I believe this to be illegal. Moreover, I was transferred to an account type for which I most certainly would have had to pay a monthly fee. When I called I was transferred to a lower tier where the requirements for monthly fee waiver are lower. I previously had free checking and was told free checking was no longer offered. If it isn't illegal already, it should be illegal to make those changes without informing the consumer in advance. I'm looking into taking my business elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I've been affected by the current pandemic at hand and there's no way for me to make money if I can't even leave my house. I'm currently in lockdown in New Jersey with no way to pay for this personal loan because I have little to no income right now. 

I called TD Bank hoping they would somehow alleviate my situation, but all they offered was a week extension of my due date. This was changed from XX/XX/XXXX to XX/XX/XXXX and this action took place on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX  XXXX XXXX XXXX XXXX is report incorrect information on my credit. Including recently updating my credit file to reflect incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Consumer Portfolio Services, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Found that this company committed fraud against me the living person, by saying I entered into an agreement with them. The loan amount {$28000.00} it seems this was an assumed loan, but I don't know from whom is was purchased. Dated XX/XX/XXXX per copy of agreement letter received XX/XX/XXXX. The interest rate is 20.450 % extremely high.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: LoanUnited.com, LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Contacted Loan United for VA refinancing of my home in  Pennsylvania XX/XX/XXXX. My refinancing was being processed by XXXX XXXX XXXX, Senior Mortgage Loan Originator. 
Loan United requested XX/XX/XXXX mortgage statement, insurance, IDs DD214,  Note, Social Security cards which I began submitting. 
XX/XX/XXXX Loan United expanded their information request to include 30 days of paystubs, XXXX/XXXX  W2s, 2 months bank statements. Social Security letter, Retirement letter. 
XX/XX/XXXX Loan United requested Home Appraisal ( Cost to me {$500.00} ) and VA Termite Report ( Cost to me : {$85.00} ) which were performed. 
XX/XX/XXXX Loan United requested additional information to include P & L statements and all tax schedules for myself and my wife and her business. Sent this information Overnight to their office. 
XX/XX/XXXX Loan United requested additional information K-1 tax returns, Business license, expanded information on our tax returns. Resent additional information directly to Loan United Overnight mail. 
XX/XX/XXXX Loan United requested I add Flood Insurance to my homeowners even though I do not live in a flood zone. 
XX/XX/XXXX Loan United, XXXX XXXX, Loan Processor emailed me : " a loan payoff was the last item needed for your loans clear to close..we will most likely fund in XXXX so I wanted to be sure XXXX as been paid '' Contacted my mortgae company XXXX XXXX, and a payoff amount was provided to Loan United in XXXX . 
XX/XX/XXXX Loan United XXXX XXXX emailed me : : " All is well with your loan we are simply waiting until after XX/XX/XXXX to reloock your loan and then we should be cleared for closing ''. 
My original lock in rate was 3.75 % last year but I guess since so much time has passed a new Rate lock was needed. 
XX/XX/XXXX XXXX XXXX emailed me : ( after I inquired when my rate was going to be locked in ) " too high to lock today '' even though there were 3 rate cuts by the Fed to Banks and Lenders to  almost zero. How could it be? 
Since then no further communication. Loan United advertises their VA refinancing as quick, easy with limited information needed. I found this to be quite the opposite. This has turned into a nightmare, and I am still not closed. Im an XXXX discharged Vet and utilized the VA to help secure my original mortgage and this refinancing. I have always paid my mortgage on time as well as all my bills. I feel that this company should not be allowed to process VA loans of any type. I feel that this refinancing will not be closed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: MRS BPO, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently started receiving text messages from a company by the name of MRSBPO. The company is accusing me of an owed debt from XXXX in the amount of XXXX. After my service was canceled due to consistent technical problems and a verbal agreement for charges to be waived. I have tried multiple times to contact the company and have been unsuccessful due to longer than normal hold times, and being disconnected on their end. The miscommunication have lead me to believe this company is a scam and do not want to discuss debt matters with consumers. I do not have a signed contract or any contract/agreement with this company. I am being harassed through text messages from this company. Although, I have not given consent to receive text message alerts. I would like this matter properly investigated and deleted from my credit report. The company is showing 3 different ways on my credit reports. MRSBPO MRSBPO LLC MRS ASSOCIATES

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15
Company: R.T.R. Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent a letter on XX/XX/2021 " Request for Validation '' of debt and received many phone calls and letters, the latest dated XX/XX/2021 but received on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX  sent me a copy of my credit report file  XXXX  on  XXXX / XXXX / XXXX . Someone applied to  SYNCBBP  DC on  XXXX / XXXX / XXXX  for credit in my name. I initially had a fraud alert on my credit file, then removed it in order to rebuild my credit and establish new accounts. These inquiries that are not authorized are hurting my score and a false representation of facts being reported in my file.    XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  NJ  XXXX    XXXX    Attn : C omplaint Department   XXXX   XXXX    XXXX   XXXX , PA  XXXX  I am writing to dispute the following information in my file. I recently received a copy of my  XXXX  credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. I have been reviewing & disputing inaccuracies a fraud alert has been placed on my credit file, although the damage has already been done. The inquiries are not authorized and I sent supporting documents fro m 2 accou nts as of date stating I was a victim of fraud. Please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is  for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order T he following credit inquiries are related to none of the aforementioned permissible   XXXX   (  XXXX / XXXX / XXXX  ) admitted fraud apllication company removed SYNCB/BPDC (  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 2015-04-28
Company: WELLS FARGO & COMPANY
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited several checks in my Wells Fargo checking account with the total deposit amount of {$3500.00}. The bank received the money and credited my account, however XXXX months later told me some of the checks were later lost and withdrew {$1500.00} from my account. Now I am required to figure out which checks were lost and I have to prove the checks were not honored and prove that Wells Fargo did not receive the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2021 cash app transfers with BofA ( date is day where charges are posted ). Actual transaction dates were on the XXXX, XXXX, and XXXX. People were asking for money on XXXX XXXX or XXXX Pay for services. I sent the money and then never got them back as they blocked me and went offline. Money was never returned and did not receive service either. Disputed them with XXXX XXXX but refunds were declined. After disputing them with Bank of America I got temporary credits but now BofA is starting to ask for the money back on one of the claims and after calling them they say that will likely extend to the remaining claims as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-23
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Experian has not sent out the results of my inquiry disputes as of yet I need the results mailed to 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 2022-10-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent in twice with my information ID, Utility bill with my address and SS Card asking to remove all old and some that did not belong to me and also called in regards to a XXXX XXXX XXXX I never lived at. I asked them to put my XXXX name, XXXX address, XXXX SS # and my work and they have refused to remove the XXXX XXXX XXXX is still showing on my ( EXPERIAN ) credit report and they were the only bureau that will not remove it.and delete this from my personal information.. 
. 
Under U.S.C 15 sec 1681b ( 603 ) p That I have the right to have my correct or update my personal information.

Under U.S.C 15 section ( 604 ) A section 2 it also states a cosumer reporting agency can not furnish a account without my written instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
During the pandemic I lost my job and couldnt make the monthly payments on my credit card. I tried to postpone the payments until I got a job again and it was postponed only for a month which wasn't enough time. This cause my credit to lower and thus is now causing even more hardships.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-05
Company: RFNA, LP
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Republic Finance has reported delinquent 30-60 days on my XXXX credit reports. The have done so prematurely as my payment is not due until the XXXX of each month. They reported me delinquent on XXXX/XXXX/2016 for the month of XXXX but the payment for XXXX has not even come due. In addition they are refusing payment for my loan and sent me a notice explaining to me that they are refusing payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: SD
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:
Lender withdrew XXXX payments from my account when they were only authorized to take 1. They had a computer glitch and mistakenly took XXXX extra payments. I was not notified by my lender about this issue. The only reason I found out is because I was issued a Non-Sufficient Funds notice from my bank due to the extra payments they took out. Once I found out the error, I called them immediately. It was at that point that they notified me of the glitch that caused the error. I feel this was completely negligent behavior to not even notify me. Now I have to prove that they were the cause of the NSF to get the fees repaid.

Company response to consumer: Closed with explanation