BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I filed for Bankruptcy Chapter XXXX in XXXX XXXX. My Bankruptcy was discharged XXXX XXXX. All my creditors stop taking my payments. Bank of America was the only bankthat continued to take payments out of my checking account. In XXXX XXXX Bank of America started a new loan without consulting me. I made numerous attempts to ntact BA to stop them from taking payments and I was not successful. When I went into the banks I was informed that they could not help me and they provided me with the number to the Bankruptcy Department. Again, I had no success to getting through to them. Finally, in approximately, XXXX XXXX I successfully got through to Bank of America and I asked them why they were taking money while I was in Bankruptcy and why they restarted my loan with out my authorization. Bank of America provided no explanation, yet, they sent me a refund cashier check for {$6500.00}. They never reimbursed me interest for time they took my money, yet, they added {$2000.00} in interest to my home loan. I asked if I could do a settlement regarding the balance and I was told they stopped offering settlements. I asked since they made a mistake and taking money during the time that I could have received a settlement if they would retro back and they said no. They took away access to my account away from me on the internet and when I try to make payments at the branch, I am told they could n't take the payment. The only way to make a payment is by calling the Bankruptcy Dept yet, it 's hard to get through to the Bankruptcy Department. I Bank of America continues to calculate interest on the account, yet, they make it a challenge to make a payment. I can see my home loan when I sign in to Bank of America 's website, yet, my access to pay has been taken away.

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 2022-11-18
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX are unverified unauthorized accounts, I am a victim of identity theft and found these reported on my file and since then Ive filed a ftc report and reached out to creditor and Equifax to have them removed but they still reflect

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX i opened up my paypal account. to date ive had no red flags issues discrepancies with my account its XXXX. 

According to Paypal there was a high level of risk associated with your Account. Specifically, between XX/XX/XXXX and XX/XX/XXXX, we found you had a dispute rate of 11.88 % and filed excessive claims against a food delivery merchant, XXXX XXXX So 88 percent of all transactions were okay and since i had an issue with food quality and service paypal has deemed my account a high risk and closed it without warning on top of that they are currently with holding a refund from me for XXXX that i still have not received at the end of the day paypal is the party that makes ultimately the decision to approve or deny any claims regarding purchase protection. I just give the reasonings to why i was dissatisfied

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-31
Company: Community Health Investment Company, LLC.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I received a phone call from XXXX on XXXX/XXXX/2015 between XXXX and XXXX from someone claiming to be with Professional Account Services , Inc. It was a male voice. They said it was concerning XXXX XXXX XXXX XXXX. When I researched the number from XXXX different places the number popped up XXXX times as a telemarketing spam number. The number is registered to a XXXX XXXX in XXXX, Tn. Then on XXXX/XXXX/2015 I received a statement in the mail from Professional Account Services XXXX Inc., concerning the same thing. Guess what the office number on the statement was XXXX. The XXXX XXXX XXXX for XXXX, Tn. How can the same number be registered to XXXX different people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My wife passed away on XX/XX/2017. Her sister XXXX Went to the clerk of court in XXXX, NC and got appointted as Power of Attorney over my wife when I XXXX was already Power of Attorney over my wife, XXXX. She set up a account at SECU on XXXX. in XXXX, NC in her and my wife 's name XXXX name. After my wife passed XXXX went to the bank and the bank allowed XXXX to close her account and withdraw all of the money in cash. Her Social Security check were being deposited in the account. The bank allowed her to withdraw the Social Security money in one envelope and the remaining money in another envelope. The Social Security money was kept by XXXX and the other amount was used to pay for XXXX cremation. 
I went to the bank the last part of XX/XX/XXXX and spoke to a bank officer about getting my account closed which only had {$25.00} in it. The refused because I am in bankruptcy and said that I had filed a loan on my bankruptcy. I proceeded to tell them about my wife passing on XX/XX/XXXX. I ask him why the bank closed XXXX account after she had passed away. He said that they were n't informed of her passing until the XX/XX/XXXX. He said that if they had of known of her passing on XX/XX/XXXX they would not have allowed XXXX to get the funds. The Power of Attorney XX/XX/XXXX had Was no longer good after the second XXXX passed, therefore she had no right to the money and now she refuses to return the social security funds to me even after being notified to do so 4 different times since then. The social security office said that I could keep the funds since it was paid before XXXX passed. XXXX has also ben reporting to my wife 's credit card company 's the XXXX has passed which I, XXXX was doing. The bank, SECU has made no effort to retrieve the money they gave XXXX of close the checking account that has my name on it and has only a {$25.00} savings in it. I feel that MrsXXXX obtained the funds from the bank under fraudulent conditions and the bank, SECU assisted with this also. I ask for copy of the paper that XXXX signed while in XXXX in XXXX, NC while she was not mentally competent or physically to sign any papers without assistance from a outside assistance. She was paralyzed from the neck down and could not write.

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 2017-05-01
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On   XXXX   XXXX   XXXX    , I opened an HELOC with PNC Bank. Many things went wrong on closing day : no one ready at  PNC  branch, no documentation ready in spite of weeks of advance scheduling, long wait time at another  PNC  branch..     I was told then that if I opened an checking account with PNC Bank, my interest rate would be lowered. I was told also that since I had no time to open that checking account on that day ( plane to catch ) I could come back later and open the account and then get the interest rate discount.     Today   XXXX   XXXX  , the same  PNC  Bank branch employee tells me it is no longer possible to benefit from the discount. I would have had to open the checking account on   XXXX   XXXX  .     I was clearly promised something on   XXXX   XXXX  . I am denied it on   XXXX   XXXX   XXXX . The reason I did not open the account on   XXXX   XXXX   was the delay caused by the breakdown in PNC Bank closing promise.     I add that other breakdowns have occurred since the HELOC was openened : I was mail a check book for the HELOC with an account number missing  two  digits. I complained and was told  PNC  Bank deliberately issues check books with missing digits! My account number is therefore not the account number as it appears on the book! Odd?     What should I do?     I am at your disposal for any documents related to this complaint.     Cordially,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I applied for a credit card with XXXX, XXXX XXXX XXXX, and XXXX all on the same day. I received the adverse letters and my credit scores are reporting differently with all XXXX companies. XXXX stated Equifax Credit score is a XXXX. XXXX XXXX stated Equifax Credit score is XXXX. XXXX stated my Equifax score is a XXXX. Why does the same credit reporting agency report XXXX different scores when all three credit cards were applied for on the same day?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have a student loan with Navient which took over XXXX XXXX. I have tried on many occasions to ask them to apply overage payments to the principal and they refuse saying they have to take it off of the next payment??? I do n't know if that is legal. If I pay the entire payment including what would go to interest, I thought I have the right to direct the surplus to paying off the principal. With XXXX XXXX we were able to check a button that said apply to next payment or apply to principal. I ca n't do that with Navient?? I have even written to them to apply it to the principal and that does n't work either. What are my rights?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: EQUIFAX, INC.
State: NY
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:
I XXXX XXXX NEVER GAVE XXXX, XXXX, EQUIFAX ANY WRITTEN CONSENT TO REPORT THIS INACCURATE ACCOUNT ON MY CREDIT REPORT. NO WRITTEN CONSENT IS IDENTITY THEFT. THEY ARE IN VIOLATION OF 15 USC 1681B UNDER FDCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX XXXX has me living at an address XXXX XXXX XXXX XXXX, Ga. XXXX XXXX XXXX XXXX i have never lived there and they are messing up my credit because who ever lived there they seem to have my name down. I can prove i have never lived there yet they wont fix this issue. Please inform me as to what i need to do to fix this matter. All i have are my tax return stating my address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the same year they state i lived there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: SANTANDER HOLDINGS USA, INC.
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My vehicle was repossessed on XX/XX/19. When I purchased the vehicle the air- conditioning system did not work. The salesman assured me that the problem would be corrected. It never was, the salesman quit the job and the dealership went into new management. The new owners would not work with me on any level.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus inc. my mortgage servicer has taken payments from me over the phone then sends letters saying my account is suspended and the money was put into a suspense account. They have tried to charge me with incorrect fees such as property inspection, that are only allowed if im in default. I would n't be in default if they properly applied payments they have taken from me and put in suspense.When I call I tell them and tell them I want to make my regular monthly payment and dispute the charges they agree and take my payment, then later they send me the letter saying I am in default because the money they took from me is in a suspense account.Meanwhile they keep adding fees including a lock change fee which never happened, they refuse to send me a complete intemized list of the fees. I have ample resources to pay they just wont apply any money taken to my account, they also report me to the credit bureau companys .All I want to do is pay my mortgage they insist I must pay these fees with no chance to even see what they are. Please help me I continue to fall farther behind every day Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Credit card
Issue: Rewards

Complaint:
I applied for the card and was approved, however shortly after that my account was shut-down by the verification department and they requested I supply XXXX, copy of social security card, and state ID. I furnished those documents. The reps at the department re-opened my account however that was after the 90 days of account opening which I was not able to earn the XXXX bonus points offer. I meet the purchase requirements and I would the bank to steps in understanding the situation and correct this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18
Company: Credit Karma, LLC
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On or around XXXX, I saw alot of pre-approvals on credit Karma at first I didn't pay it no attention but credit karma kept sending me all sorts of all different pre-approvals telling me that I was pre-approved for credit cards, personal loans and that I can refinance my car. Every day I would see these offers I logged in to check my credit scores. So after a few months of being told I was pre-approved I thought I was now in the perfect place to apply. I got so many offers through credit karma I started telling my whole family about vacations and investments we where going to use these pre-approvals for. So I finally applied on are some time around XXXX  and I got denied for two credit cards and a personal loan. I was distract, I was very angry and I felt decived. I was markted to for months, so credit karma told me that I was pre-approved this was a LIE. I was servely stressed out, I was nauseous for weeks, I had XXXX  so bad I became antisocial. My XXXX  went from XXXX to XXXX now everytime I see pre-approvals I immediately close my phone and shut it off. This has made me so uneasy and XXXX  that i haven't checked my credit as frequently.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: Nationwide Biweekly Administration, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I signed up for a third-party bi-weekly mortgage payment service that withdrew funds from my bank account and made my monthly mortgage payments to my lenders. This was done through a company called National Bi-Weekly Administration in Ohio. They made the withdrawls and payments as promised. I recently received noticed from them that they would temporarily have to suspend the withdrawls and payments due to an issue with their bank. I then found out that the CFPB was investigating them and made bi-weekly payment arrangements directly through my mortgage lender. When I went online to close my account with National Bi-Weekly, I was directed to a page that told me I would have to do that by phone. I have been calling the number posted ( XXXX ) daily since XXXX XXXX and keep getting a recording saying that they are experiencing technical difficulties to try back the following business day. I just want to close my account with National Bi-Weekly and can not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: EOS Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company started calling twice a day, now they are calling four times a day each day. 
They are calling without identifying both the name of the creditor and the name of the person they are calling. 

If I answer the phone, they stay on the line without saying anything. 

A representative told me that they have an automated number just call repeatedly., I asked them to stop and they have not. 

I have no idea why they are calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: Portland Credit Inc
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I was sent to collections after 30 days for a water bill when the city would n't let me set up a payment plan. I did not receive any correspondence, but got a call from Fidelity Collection Services. They used vulgar language. They added a {$100.00} fee plus 9 % interest. They would n't work with me on removing the fee so I could pay the debt. They threatened to garnish my check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I Entered into a forbearance program due to XXXX with my Mortgage company Truist. As the forbearance XXXX started to come to an end I reached out to Truist and informed them I had applied for the SC cares act homeowner rescue program at which time I was advised by one of there home preservation specialist to wait until I had confirmation if I was accepted or not in the program and then call them back and let them know. Instead they immediately moved forward and tried to foreclose on my home. Upon being notified I was accepted into the homeowners program and immediately contacted the the lender at which time a stay was put on the foreclosure until mid XXXX so they could verify and receive the funds. 
I received confirmation that the funds were sent to the lender in the amount of {$23000.00} on XX/XX/XXXX of XXXX Ive tried calling the lender to see if the funds have been applied at which time I was told they have not received the funds yet. I called again in XXXX and asked if they had received the funds yet at which time I was told no they still have not received the funds and it wasnt until yesterday that I got confirmation from them that they did receive the funds and they have notes in their system from XX/XX/XXXX when the funds were received however they have yet to apply them to my account. so in the meantime they have begun the foreclosure process again and I have been getting harassing phone calls as well as process servers showing up to my house calling me trying to serve papers on me. All while The lender has had The funds in their account for over two months and has yet to apply them to bring my account whole instead theyve just sat on them. This constant harassment has brought undue stress and much aggravation to me all because of their inability to do their job and apply the funds in a timely fashion and this isnt the first instance Ive had issues with SunTrust/ Truist XXXX What They are doing is criminal and uncalled for and they need to be held accountable for this

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 2016-07-06
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
About five years ago I scheduled a dental appointment for a simple cleaning. The Dentist that provided the service for me requested that I take part in another procedure, I initially said no stating that I would n't have the funds to pay for it. He then went on to tell me that he does this all the time and submits it to the insurance company and they 'll pay for it. Being young and nieve at the time I believed this and asked him to double check and I would come back to start the process. He went on to tell me we should begin now and for me not to worry about it that the insurance would cover it. Long story short the insurance did not cover the procedure and I was stuck with an outrageous bill for over {$4000.00} dollars I was very upset when he told me he was sorry and their was nothing he can do. A couple of years go by and I get a call from an agency representing his company asking for payment I refused and denied the bill. After five years of this being on my credit report I come to find that the agency flags this account once again as a collection starting the aging process all over again. I do n't believe this is right and I do believe that this company needs to be confronted and this collection removed from my report.

Company response to consumer: Closed with explanation