BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Bank of America has begun charging a 3 % service fees on transactions I have made with online retailers. The transactions all take place on US websites and are conducted in US dollars -- no foreign currencies are involved at all. When I inquired about the charges with BofA I was told these retailers are using foreign banks to process their transactions. When I pressed them on what additional costs BofA is incurring versus a U.S. bank  the customer reps said they did not know. However, when I asked the retailers about this the retailers claim they use US banks for US transactions not foreign banks for transactions in the US. This has now happened with at least 3 different retailers/vendors that I use. When I used other credit/debit cards for these transactions I am not charged any service fee.

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 2020-09-09
Company: First Help Financial, LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit 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 2020-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX I Defaulted on my Bank of America Mortgage XXXX BOA  gave to XXXX to service XX/XX/XXXX I completed a Loan MOD to save from Foreclosure thru XXXX  XX/XX/XXXX an escrow analysis was done ( as it is every year ) It was calculated incorrect. When my MOD  was done, I was given a XXXX yr repayment for outstanding Escrows owed. It took me a month to prove and talk to someone that could comprehend and fix this. 
XX/XX/XXXX Loan gave back to Bank of America XX/XX/XXXX My Taxes went significantly down and escrow were recalculated. Im now in the same boat from XX/XX/XXXX, only worse. BOA is telling me to prove the XXXX yr repayment of prior outstanding escrows. I told them to contact XXXX ( the Manager who helped me ) But they seem to not want to. My Hard Drive crashed XX/XX/XXXX and I now dont have the MOD requirement sheet that stated info about the escrows. I have made a payment with what it should be but Bank wont apply to my loan. So now we sit at a stand still until they fix their issue! The difference in correcting is {$100.00} mth

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 2021-12-14
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a letter on Friday, XX/XX/2021 that someone had filed for un-employment benefits in NC and they needed to verify my information, I did not file for un-employment so I called them and the credit bureaus, I also filed a police report. Today, Monday, XX/XX/2021 I received a checkbook and a debit card from TD Bank to my home with my name, address, the last XXXX digits of my social security matching but with a fake phone number. I called and alerted them that I had not opened the account but they did not want to give me any information on how they opened the account to begin with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: CO
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:
Equifax breach of information. I was notified I may have been exposed, however I can not get a solid answer from anyone regarding the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Experian Information Solutions 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:
Since XX/XX/XXXX Ive been trying to get Experian to report only accurate information to my credit report. On XX/XX/XXXX I submitted a complaint to the CFPB about Experian. The complaint was about Experians unfair credit reporting methods and there negligent noncompliance or willful noncompliance with the law. On XX/XX/XXXX Experian was reporting XXXX XXXX XXXX Account number XXXX with a balance of {$810.00} as a collection account on my credit report. This account was deleted off my credit report. 
On XX/XX/XXXX Experian reported the following collection account XXXX XXXX XXXX Account number XXXX with a balance of {$810.00} on my credit report. This is the same account sold to a different debt collector and added to my credit report again. 
Since this is the same account that was already disputed and removed from my credit report I am demanding this account be immediately deleted from my credit 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 2022-01-21
Company: NAVY FEDERAL CREDIT UNION
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: Information belongs to someone else

Complaint:
This account doesn't belong to me. I sent a police report to both the credit bureau and spoke with the creditor, this account came off of XXXX however is still showing on XXXX and XXXX. I [ 've never had an account nor never benefited from any account with Navy Federal. This account is ABSOLUTE FRAUD and is hindering me from moving forward in obtaining credit.

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 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a dispute to Transunion about the following accounts ; XXXX XXXXXXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX  Account XXXX : XXXX, XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX, XXXX  Account Number : XXXX. It has been over 45 days since I sent this re-investigation dispute and Transunion have not answer as they are required by the FCRA.

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 2020-06-18
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I was having financial trouble and a loan company placed a levy on my PayPal Account. Once I paid the loan company off, their attorney and I have made several attempts to have my PayPal account freed of any restrictions or limitations. We both have provided copies of the attorney 's statement to release the levy ; we have done this TWICE! PayPal has still refused to acknowledge it. The attorney, XXXX XXXX, has has tried calling the PayPal legal department on different occasions and can not get through or a return call. i have money in my PayPal account that I can not access, as well as I need to access other things with it. I have went through the Resolution Center so many times and each time I get someone who gives me a phone number to call to resolve the issue. That phone number is for XXXX XXXX, the attorney who is trying to get them to abide by his release, it's not even with PayPal! They also refused to email me a transcript of the messages. They don't listen, and I am frustrated!!! Please help! 

Thank you, XXXX XXXX XXXX PayPal username : XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is an inquiry from XXXX which appears on my report that is not mine. I disputed the inquiry and received a letter saying they can not remove the incorrect information as they must list all companies who received your credit report. However, the companies must have a lawful reason XXXX permissible purpose ) for doing so. This inquiry was not authorized and should be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-18
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, PayPal had frozen my account when I tried to transfer money into my older account. They refuse to allow me to transfer fund. They have my account frozen for 180 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have XXXX claims open against Ocwen Loan Servicing , LLC that need to remain open XXXX, XXXX, and XXXX. On XXXX XXXX, XXXX I submitted a request for Appeal on my loan modification.offered on XXXX XXXX, XXXX. Since that time Ocwen has only answered some of my questions and has not since answered my appeal and provided me with a NEW loan modification. The questions that remain unanswered are as follows : XXXX XXXX, XXXX Ocwen Loan Servicing , LLC Attn : Home Retention Department XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fax : XXXX Email : XXXXXXXXXXXX In the Matter of : XXXX XXXX XXXX Account Number # XXXX APPEAL to Loan Modification offer XXXX/XXXX/XXXX 2. Your " OFFER '' is clearly beyond my means. 
3. There is NO WAY I can afford this payment. 
4. I SIMPLY do not receive enough income to manage my monthly FIXED expenses, OBLIGATIONS on top of the " PROJECTED PAYMENT '' Please explain : Please be aware that you have kept denying me a reasonable modification over the past 8 years based on the following. 

7. This is a XXXX loan and is ILLEGAL and TOXIC ( XXXX ) MIN : XXXX, Note Date : XXXX/XXXX/XXXX, Servicer : XXXX XXXX XXXX XXXX XXXX, Phone : ( XXXX ) XXXX " XXXX Court Rules XXXX Business Model is illegal '' ( XXXX ). 
( Documents attached ) 8. The US Government bailed out the BANKS and the SERVICERS where to notify the mortgage holders ; I received NO SUCH NOTIFICATION. 
9. I have read that CFPB filed a case and charges against OCWEN Loan Servicing for faulty practices. But you continue to do what you still do. 

Please use my correct financials moving forward. I would like to be issued a revised offer based on my TRUE and CORRECT, INCOME and EXPENSES and the ABOVE XXXX BULLET POINTS. 

As of today I am still waiting for a response back from Ocwen tp # XXXX. I also disputed this claim on case # XXXX which was not acknowledged by CFPB and uncertain whether that dispute was sent to Ocwen. THIS HAS BEEN GOING ON FOR 8 YEARS AND ENOUGH IS ENOUGH. OCWEN AND THE CFPB NEEDS TO GET THEIR ACT TOGETHER AND RESOLVE THIS ISSUE. 

I HAVE TRIED NUMEROUS TIMES TO GET AN UPDATE BUT MY CALLS ARE DIRECTED TO XXXX. I REFUSE TO SPEAK TO A PERSON IN INDIE FIRST OFF. THIS IS A USA ACCOUNT, I AM A USA CITIZEN AND I WAS BORN IN THE USA. ALSO OCWEN OPERATORS # XXXX XXXX AND OPERATOR # XXXX XXXX WERE RUDE AND DENIED TRANSFERRING MY CALL TO THE UNITED STATES. HORRIBLE CUSTOMER SERVICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Im not able to access my Credit file or consumer report and I believe, I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: Halsted Financial Services, LLC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018. I contacted Halsted Financial Services, LLC at XXXX regarding a collection letter sent on behalf of XXXX XXXX XXXX dated XX/XX/2018. I spoke to XXXX XXXX, and asked him did he receive my dispute and request for validation sent by fax. He stated that he received it on XX/XX/2018. Then he informed me that once they receive a dispute they send it back to XXXX XXXX XXXX and close out the account as under dispute. He said that he sent the letter to XXXX XXXX XXXX on XX/XX/2018 asking them to follow up on the dispute.

XXXX XXXX XXXX whom Halsted Financial Services, LLC had as a client, without validating the account placed it as a collection item on XX/XX/2018 only 7 days later while in dispute. Therefore, violating my consumer rights to dispute the validity of a debt within 30 days in writing and obtain documents relating to the dispute.

In addition, having a Fraud Alert on my account on all 3 Credit Bureaus, I have the right to obtain documents for validity of this debt from a debt collector. It was not given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: TRANSUNION INTERMEDIATE 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: Account information incorrect

Complaint:
The bureaus are reporting a loan with XXXX XXXX as having a balance. It is paid in full. I purchased furniture on lease and paid the first lease off. I then got approved for {$1200.00} instead of {$800.00} like the first time. Once I got approved for the {$1200.00} I paid that off as well and for some reason it is still showing a balance of $ XXXX dollars and it's been over 90 days since they reported and I paid both accounts before they ever showed up on my credit report. I have attached the dashboard showing both loans paid cash. I have attached each loan info separately showing paid cash and I have attached both leasing agreements.

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 2019-12-26
Company: Hawk Inc
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Hi, my name is Ms. XXXX XXXX. Back in XXXX I filed a complaint against Lenders Loan Company at XXXX XXXX XXXX XXXX SC XXXX. Case number XXXX. From my understanding before it was closed. I thought the Lenders Loans had closed my case, my account. Is that right? If so, I was summons again by these people on XX/XX/2019 and the magistrate papers are dated XX/XX/2019. Why are they serving me again when the case is closed on their end. I don't understand. What can be done for this company to leave me alone. I am a XXXX XXXX with severe problems and a single parent and trying to live for my kids. I been out of work off and on with health issues with myself and my young daughter XXXX XXXX   at school and fall up stairs XXXX  her XXXX.These people are really stressing me out. Can you all please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2018 someone used my Identity for open this account that its FRAUD.

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 2020-06-18
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:
The bureaus are reporting a loan with XXXX XXXX as having a balance. It is paid in full. I purchased furniture on lease and paid the first lease off. I then got approved for {$1200.00} instead of {$800.00} like the first time. Once I got approved for the {$1200.00} I paid that off as well and for some reason it is still showing a balance of $ XXXX dollars and it's been over 90 days since they reported and I paid both accounts before they ever showed up on my credit report. I have attached the dashboard showing both loans paid cash. I have attached each loan info separately showing paid cash and I have attached both leasing agreements.

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 2022-01-20
Company: BMW Financial Services NA, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
This is a follow-up to the CFPB Claim Number I previously submitted, and I've attached the correspondence I had with BMW via CFPB REFERENCE XXXX XXXX / XXXX The XXXX XXXX XXXX XXXX XXXX I had already contacted your company as a natural person, consumer, and creditor, and my bank institution ( XXXXXXXX XXXX ) had also written you a letter stating that the payment had been completed on time, but you had refused to erase the incorrect late payment. To demonstrate the financial transactions that were performed, I have included the letter and my bank statements for the months of XXXX and XX/XX/XXXX. 
" XX/XX/XXXX '', '' '', '' ACH Transaction - BMWFINANCIAL SVS XXXX  PYMT XXXX '', '' XXXX '', '' '' " XX/XX/XXXX '', '' '', '' ACH Transaction - BMWFINANCIAL SVS XXXX  PYMT XXXX '', '' XXXX '', '' '' " XX/XX/XXXX '', '' '', '' ACH Transaction - BMWFINANCIAL SVS XXXX PYMT XXXX '', '' XXXX '', '' '' " XX/XX/XXXX '', '' After repeated arguments with BMW Financial Services, BMW Financial Services continues to report inaccurate late payments. This is a mistake in timing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had 6 medical bills that were about {$100.00} or less. These bills were paid by Insurance and I was never sent the amount to be billed from XXXX. XXXX XXXX XXXX in XXXX  never sent it to me in a timely manner to my new address in XXXX   instead these small bills went to collection without me knowing. They were paid off in full and removed from report immediately from the other bureaus except transunion. They should not be on my report any further. I disputed them. The agency was also to take them off after I paid them because of all the errors in such small amounts on medical bills paid by insurance and balance subsequently paid immediately by me once I was aware when my report was pulled. Transunion should not still have these 3 small medical bills on there that have been paid off and were put into collections in error & one of the accounts has the same dollar amount and the last account digits are the same so  it may be a duplicate so that doesnt make me happy. 
If the other bureaus can remove the hospital and the collection agencies mistakes on a completely paid account then transunion should too. Thank you.

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 2019-12-26
Company: National Credit Systems,Inc.
State: SC
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:
I have contacted XXXX XXXX XXXX for XXXX XXXX and National Credit Systems for XXXX XXXX. regarding these fraudulent accounts and they have yet to respond or block these accounts from my credit report. These accounts are not mine I have the identity theft report to support this claim. I am also a victim of the XXXX  data breach, and I am handling that situation as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This conventional interest only loan started at 9 % through XXXXXXXX XXXX. The loan was sold to XXXX XXXXXXXX XXXX, Nationstar and Mr. Cooper. I applied for a loan modification with Mr. Cooper after suffering a brain injury in XXXX of 2014. During the entire time period I also had several property damage claims that were sent to XXXXXXXX XXXX XXXX XXXXXXXX and Nationstar totally more than {$40000.00}. All of the checks were signed by myself and turned over to the current mortgage servicer at the time. The mortgage servicers were supposed to sign and return the insurance money to me so that I could complete the repairs and pass their inspection. All of these servicers never endorsed or returned the funds so that I could repair the property. I believe that this was a conspiracy to defraud me and bring about the foreclosure of my property.

Company response to consumer: Closed with explanation