BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
A recent storm has severely damaged the roof of our home. We received a check from the insurance company which is XXXX XXXX. The check was made out to my wife, myself and the mortgage company which is Bank of America. The manager of the local branch of B of A told us the check had to be sent to B of A headquarters and they would issue a new check in our name. We needed this money to use as down payment to pay the Roofer to start work. All Roofers here require XXXX % down and balance on the day of completion. This is a one day job. Bank of America has been using every tactic, so as not to give us this money. The roof is seriously leaking and causing more and more damage to our home with every rain storm. My wife called and explained what is happening and pleaded with them to send the money so we can start repairs. They could care less. After 2 months of their nonsense we receive a check for only XXXX % of the total amount. The check was made out to us and the Roofer. We called them and were told that we did not receive the full amount because we were late on last months mortgage payment and this was punishment. When we asked when more money would be released, we were told when the job was finished and not until the Roofer filled out legal paperwork. Again we told them how much damage is occurring and we really need the money to fix it. He told us that 's not the banks problem. We called the Roofer and explained everything that happened. He politely told us that he would not do the work under these conditions, and can not wait for Bank of America to decide when to pay him. All this nonsense over {$5400.00} which is being paid by the insurance company, and not Bank of America. If this roof collapses or water gets into the electrical system and someone gets hurt I am sure things will be different. Someone needs to start protecting the public from the abuses of these banks and their illegal tactics.

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 2021-05-06
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XXXX i sent an Estoppel by silence letter to Fair Collection Outsourcing ( FCO ). to this day they failed to removed the alleged debt. I am seeking monetary damages for violations. Under 15 U.S code 1681b permissible purposes of consumer reports, I never gave FCO any written consent to report anything on my consumer report. No consent is identity theft. As a consumer by law this account must be deleted immediately. thanks!

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 2021-05-07
Company: WELLS FARGO & COMPANY
State: NM
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Wells Fargo/Nationwide Credit arbitrarily closed our XXXX XXXX credit card account without notifying/contacting us prior to closure. The account had no balance and was one of our oldest accounts. I contacted customer service and requested the account be reinstated, as we intended to purchase new appliances within the the next few weeks. Customer Service refused this request and suggested I re-apply for a new line of credit. The closure of this card negatively affects our total credit limit and length of credit history, lowering both our credit ratings.

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 2016-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I reported this issue before and Bank of America enterprise department denied my claim. I am sending this out again, with an official stamped police report regarding my claim. Within the month of XXXX 2014 my wallet was lost/stolen, someone used my card to access my bank and deposited a fraudulent check. Took money out and everything else and used up my account til flagged by bank of america. I was denied a few times when I put in for a dispute, and I am writing this again because I 've sent the bank an official police report that was submitted by the officer who took my report.

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 2021-05-08
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts. Please remove them immediately.

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 2016-08-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX I decided to end my business with Chase for various reasons, I did n't like some interactions I had with them of recent, and I did n't feel comfortable with them handling my money. 

On XXXX XXXX XXXX issued me a refund for XXXX purchases that did not download completely. After waiting a few weeks, I called Chase to inquire about the check refund. I talked to a supervisor named XXXX, who was fast to get me off the phone. I provided her the transaction number ( XXXX ) for the refund, for which she said that she could n't find, and then she abruptly hung up on me. 

I then spoke to XXXX in Claims Escalation, who would talk over and give me contradictory information, who then also hung up on me. 

Chase claims that they would not be able to locate the refund and issue a check. From past experience I know this not to be true. It 's alarming how Chase dose conducts business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
File a complaint Credit reporting Filing against BofA I XXXX has had a credit card with Bank of America. I opened the card in 2003. I was given with a XXXX limit and have never been late on one payment. In fact the card has sat dormant for some time. There was a recent fraudulent charge from XXXX {$5.00} I have never used this card for XXXX in fact this card was not used for more than 6month prior to this charge. Because the account was dormant I did not pay attention to the bill as it should have had a XXXX balance if not for the When I did notice the charge Bank of America refused to remove it because it was over 60 days. I value my credit and tried calling to resolve this issue and got no cooperation in this matter I was forced to pay the now {$13.00} dollar bill due to late fee and was told that I could not dispute it because it was more than 30 days past due. The charges are not mine and I would like this removed from my credit immediately.

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 2016-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have set up through Bank of America an automatic bill pay toward my student loans. In XXXX 2016 I had refinanced my student loans and my payments were deferred for the month XXXX 2016 and XXXX 2016. I thought I had cancelled the automatic bill pay for XXXX and XXXX 2016. The payment for XXXX did not process. However, the XXXX payment did process. I contacted Bank of America on XXXX XXXX when I saw the payment for {$400.00} processing. I was told that there is nothing that they could do until the payment posted to my account. I called Bank of America on XXXX XXXX when the payment posted to my account and I was told that there was nothing that they could do to reverse the payment since it was done through bill pay. They told me to contact the vendor who received the payment. The vendor initially told me that it will XXXXXXXX business days for a decision regarding my refund request. I contacted the vendor again and was later told it will take XXXXXXXX days for them to reverse the payment and that I should process the refund request through my bank since it was a ACH payment and they can refund the money back to me faster. My bank keeps telling me that it was not a ACH payment and that they can not reverse the payment even though I am disputing the payment.

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 2017-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/2016 I received a packet from Bank Of America requesting additional information for my home loan application, I filled out the packet forwarded via XXXX/Fax To ; XXXX XXXX my ( CRM ) Ph. # XXXX Ex XXXX. CC. Attorney XXXX XXXX XXXX of XXXX XXXX Law firm. Ph. # XXXX Noted XX/XX/2016 XXXX XXXX XXXX XXXX notified me by parcel mail stating the bank has received my inquiry submitted CFPB # XXXX Moving forward he would will be fostering my modification review with the Bank. XX/XX/2016 I received another letter from XXXX XXXX my ( CRM ) For ( BOA ). Stating we are no longer reviewing your application for loan assistance because we did not receive the requested documents this is not only false, Absolutely frustrating from a barrower stand point I made several attempts to bring the loan current, I was told the system will not accept payment the loan is in default. Every month the bank attaches accumulated fees. I provided the requested documents for the modification. Someone needs to acknowledge there is a communication break down in all parties supposedly involved in the matter at hand. My loan is ( FHA ). Bank Of America has a Obligation, Fair Debt Act 15 U.S.C. ~1692 elt seq / Real Estate Settlement Protection 12 Act 12.U.S.C.~2605

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 2021-05-08
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have sent several request to the named companies as well as the credit reporting agencies to advise them that I DID NOT AUTHORIZE the inquiries on my credit file. They still remain on my credit file and all credit reporting agencies have failed REPEATEDLY to provide me with documentation to show where I authorized such. They will not be able to do so, because I only authorized XXXX XXXX XXXX to pull my credit file. Both the dealership and the salesman have advised me that they only submitted an application through XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: EQUIFAX, INC.
State: MA
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:
Dear Credit Bureau/CFPB ; Listen, Im still shocked, stressed, & perplexed on the way that these accounts continues to report on my credit report. Ive contacted each of these accounts listed and screenshot showing the errors on the way its reporting. Its impossible that you conducted a reasonable investigation on each of these accounts because it continues to report multiple inaccuracies, misleading information, and inconsistent with payment status and history. There are different dates of last active, last reported, last payment, dates of 1st delinquencies, etc. Impossible. Its my understanding after I download the FCRA law and guidelines that consumer credit report needs to ensure that everything is reporting 100 % accurate, 100 % timely, and 100 % verifiable. Well, these accounts are not verifiable due to these violations I mentioned and it continues to illegally re-aged them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Municipal Service Bureau ( MSB ), acting as a collection agency on behalf of XXXX, NY ( XXXX ) has requested a payment in the amount of {$1300.00} for a service that was never requested. 

XXXX. also acting as a debt collection on behalf of XXXX, has also made an attempt to collect this debt in the amount of {$380.00} for services that were never rendered. 

Please note, that supporting documentation can be provided upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have absolutely no connection to XXXX XXXX XXXX and want it removed from my credit immediately. If found that someone else used my credit, I want to prosecute to the fullest extent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-08
Company: HYUNDAI CAPITAL AMERICA
State: CA
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:
I leased a XXXX XXXX XXXX from XXXX XXXX, in XXXX XXXX, California, in XXXX of XXXX. I turned in the car early on the lease to XXXX XXXX XXXX in XXXX, California and leased a new XXXX XXXX. I was told by XXXX XXXX XXXX sales staff that my XXXX account with Hyundai Finance would be closed with the new lease. 

It was not and my credit and my mothers credit has been ruined. XXXX XXXX XXXX was desperate to make this sale and lied to me accordingly. 

I called Hyundai Finance on XX/XX/XXXX to try and resolve this. I spoke to XXXX, XXXX, XXXX, and XXXX XXXX. No one was willing to help me. 

I filed disputes with the XXXX, XXXX, and XXXX. On XX/XX/XXXX, XXXX  denied my dispute. 

It is so wrong that my credit has been destroyed because of a misunderstanding or misrepresentation over {$160.00}. Please help me CFPB. 

As for the public, do not trust 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 2015-09-26
Company: Buffaloe & Associates, PLC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
My mother XXXX to call the police on XXXX XXXX at XXXX in XXXX, TN. There was a man outside her window with a flashlight walking up and down the house shinning a flashlight in every window. He was knocking on the door. When the police arrived they found a yellow card addressed to me with a number to call. I do not live with my mother and have never lived at this address. The man showed up again and asked my mother if I lived there and she has told him I do not live there. I have have contacted the name on the card asking to meet to get documents and the man hung up on me. I have attached a copy of card and believe he is a processor for Buffaloe Associates in XXXX. I have no idea why this person is trying to contact me and my mother is getting repeated calls after telling them I do not live there.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Yesterday XXXX XX/XX/XXXX Friday I placed an online order with XXXX XXXX XXXX For a purchase of a new XXXX. The credit card was rejected. I normally receive an email that says we have suspected suspicious activity on your credit card is this really you using the card? followed by the option to say yes or no. But this time I received an email telling me they have monitored suspicious activity please cal an XXXX toll free number. This time there was no option asking me if this was you please say yes or no. When I called the number I heard a recording that no one is here right now please call back another time. That was weird. Usually theres someone there 24 hours. 
The next day today that is Saturday XX/XX/XXXX I called the credit card company and I explained the problem. The person got in to my account and read the purchases and I concurred yes those are all my purchases. The person than said I have to connect you with the fraud department to re set or reuse your credit card. I was connected and repeated the process again only this time the person said my account didnt exist. I gave her card number, social security number my name 3 different times am doing still the person said I cant find your account. She eventually and rudely hung up on me. I have had this card since XXXX and I still cant believe the person cut me off and hung up on me but there it Is. And that I said my compliant in a nut shell

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
A valid Notice to rescission under TILA was sent on XX/XX/XXXX. 

All party 's did not unwind the alleged transaction, nor did they start according the REG Z, XXXX and XXXX. No court vacated the Rescission. They been operating as if the Note, Loan and Mortgage is valid. It is Not. Sent again on XX/XX/XXXX. No law suit to challenge the Notice of TILA Rescission has every been filed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Flagstar Bank, N.A.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold to Flagstar Bank effective XX/XX/XXXX. I called customer service to confirm if I needed to submit a one-time payment before my auto-debit payment began, which their system said would begin XX/XX/XXXX. That would mean I would not have made a XX/XX/XXXX payment and I did not want to skip a month of payments. 

The service rep explained she would process a one-time payment for me on XX/XX/XXXX and did so over the phone. She also recommended we cancel the auto-transfer that was pulled over from my previous servicer ( XXXX ), and that after the processing of the one-time payment I could set up an auto-payment for my preferred date of the month. 

Somehow, instead of 1 payment processing for XXXX, they processed 2 payments, one on XXXX and one on XXXX. Calling customer service was little help and I had to do several hours worth of calls to Flagstar, my bank, and come up with paperwork so that I could get a refund, which has not yet started processing.

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 2017-04-29
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX    XXXX     XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , Mn  XXXX   XXXX  had  XXXX  inquiries on my credit report and all of these were not authorized by me and if they say they are can you please provide me with a copy of the signed and dated credit application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: Square Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020 charges started coming from cash app. These were not authorized transactions. Total lose {$14000.00}. We have canceled the debit card used, notified our bank. But have been unable to contact cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Hi I sent a letter experian on the XXXX of XXXX 2015 disputing a negative item on my Experian report.I received a letter from Experian on the XXXX of XXXX saying they received a suspicious request regarding my credit report and determined it was not by me so they did not proceed with my request ( to reinvestigate the validity of the negative item and have it removed from report ) This was a way of stalling my request and keeping my credit score low.They told me to call them if I wanted this investigation to take place to call them.I called them on the XXXX of XXXX 2015 and verified that I had indeed sent in the request to investigate the negative and they assured me that they would do so.They didnt in a few days I received a letter saying it had already been investigated and they would not reinvestigate.These are stalling tactics and are discriminating against me making it impossible for me to get incorrect negative information removed from my credit report.I am sure its not the first time Experian has used these tactics and I want consumers to be aware and not to let Experian get away with these stonewalling tactics against individuals who have a right to ask the credit bureau to reinvestigate a negative item and remove it from their credit report if it is not verified within a 30 day period.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation