BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-25
Company: Riverwalk Financial Corporation
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On six separate occasions, both in writing and online through CFPB I have tried to get a derogatory remark that is not mine removed from my credit report. On XX/XX/2020 the original creditor, XXXX XXXX  verified in writing to my physical address that the account was NOT mine. Despite this and numerous complaints the debt collectors currently holding the file have continuously placed the account on my report. When a credit reporting agency has removed it, they've altered the name of the business holding the debt and reissued it as new under the different holding name. Besides being illegal this has made applying for a home mortgage impossible because I can't guarantee a new debt collection for {$780.00} which is not mine, as verified by the original creditor, won't randomly show up on my credit reports despite being removed on 4 separate occasions prior to this.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I need to find out some exchange rates for overseas purchases with my Bank of America Travel VISA cedit card. It is impossible to get in any reasonable manner. I had to call BoA three times today, was on the telephone for half an hour or more and was finally disconnected by it. While holding, I was subjected to a barrage of irrelevant marketing recordings along with the same for non-germane choices before I chose something and was put on hold. It was impossible to reach a representative at the number on the back of my credit card ( XXXX ) and there were no automated options for information typically needed when anyone travels to another country. Clearly, this so-called travel card intentionally withholds pertinent information relevant to travel. Why? Are there surprise surcharges or high exchange rates for other currencies? 

A credit card that purports to be a travel card needs to readily provide up-to-date exchange rates it uses for other currencies, whether or not there are surcharges for the exchange and other relevant information needed when travelling to other countries or purchasing things there. 

The CFPB needs to ensure that all of this kind of information is readily available to consumers for any travel related credit credit card and perhaps for all credit cards. It should sanction for BoA for its inaccessibility in general by phone and for withholding this information directly related to travelling.

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 2020-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX  ; XXXX  and Transunion are reporting incorrectly a collection in the amount of {$140.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was wrongfully evicted from my apartment. I was continually being harassed by the on-property maintenance worker and had no choice but to report his behavior to the office manager of the complex. The harassment escalated and one day I came home to find this person in my apartment going through my drawers and personal belongings. I filed a police report. In retaliation the apartment complex evicted me without notice. This false reporting of a collection that I do not owe is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this  however, I have not been successful.

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 2020-02-13
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX BANKRUPTCY CHAPTER XXXX DISCHARGED XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: TX
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:
On Friday XX/XX/XXXX I was made aware of a security breach of Equifax systems and notified that my personal data had been compromised during the breach. This is a very concerning problem considering the struggles I have been through to repair my credit just to have it exposed by a company I trusted would have better security measures than to allow a breach of security that lasted for multiple months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: U.S. BANCORP
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Last month I had been going through a scam situation in which I thought I was transferring money for a professor from the XXXX XXXX XXXX who was across seas to a foster home that was in need, this transfer was made via XXXX. Originally the request was that I would personally purchase and mail items to the foster homes, the scammer told me that due to covid protocol the home did not want me sending things and instead send the money so their staff could make the purchases. I had been talking with this person for about two weeks on what items the foster home needed and when they would need it by. It had turned out this professors information had been compromised and it was not really him that I was doing this for but a scammer. He called me after the transfer and the voice on the phone threw me off and I realized it was a scam. As soon as I realized this I filed a police report and contacted the bank in XXXX Idaho. The bank manager told me I was liable for all the charges and there was no fraud protection. When I asked her if there was anything I can do she said she would get back to me. She never did. I called a again a few days later and was told she was in a meeting and would call me back. She never did. I went into the branch twice and she would not even show her face. I tried to work on doing a settlement so that I would not be liable for as much and she would not allow it saying it would go on my credit report and had a teller tell me that so that she did not have to talk directly to me. I had to open a new account which was recently closed the day after I wrote a bad review on XXXX for her. After almost a month they closed my savings and my new account, but left the one that was scammed open. They still have not said a single word to me. US Bank had never warned people of the risks of using XXXX, they never disclosed that it was unsecure and not protected. They forced every single person with a bank account there into having it without warning people. The total amount I was scammed for was {$3500.00}. I'm a poor college XXXX that was trying to do a good thing and I am being treated like I am a bad person that deserves to suffer from the bank manager. I filed a police report, reported it to the school, who refused to warn other students of the scam. I'm actively doing everything I can to warn people of what happened. According to the officer there were three people who's accounts were compromised and no one I warning students of what has happened. I do not want this to happen to anyone else. I want the bank to take responsibility for using an unsecured service that they didn't warn the people forced into it about.

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 2017-09-08
Company: EQUIFAX, INC.
State: VA
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 has mishandled my credit information. They 've had a security breach in which my personal information was stolen along with millions of other people. This happened in XX/XX/XXXX and yet I 'm only learning about it in XX/XX/XXXX. This is unacceptable. Equifax should have treated such sensitive information with upmost respect to privacy and security. But on top of that, consumer should have learned about the breach as soon as it happened. 

On top now having my personal information in the hands of criminals, I have to pay fees to get credit freezes on multiple different credit agencies. Equifax has even charged me {$10.00} to freeze my credit with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had 2 issues with Freedom Mortgage corporation.

Issue 1- In XX/XX/XXXX I made the decision to pay for my home insurance directly. 
Freedom Mortgage contacted me to say they were going to place a Forced Insurance Policy on my account because I did not have insurance. I informed them there was a policy, and they asked me to upload a copy of the document on MyCoverageInfo.com in XX/XX/XXXX, XX/XX/XXXX ( when I was made aware the issue was not resolved ) and again in XX/XX/XXXX when I followed up. My browser history confirmed I had done this multiple times. To date, I have not received my reimbursement for the cost of their forced insurance coverage. This is the 2nd time they had done this, as they charged me again in XX/XX/XXXX and only credited 1/2 of the policy back to me. 
Over a dozen calls to customer service did not resolve the issue. 
Issue 2- I sold my home on XX/XX/XXXX. The title company paid 100 % of my XX/XX/XXXX tax bill. Thus, all of the money in my escrow account should have been refunded to me in 30 days per Federal Law. As of XX/XX/XXXX, Freedom Mortgage confirmed they are going to pay the county my tax bill, wait for the refund ( because its already been paid ), then send me the balance back within 14 business days after they receive it.

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 2020-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
A unauthorized student loan is reporting on credit report that was not known nor authorized by 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 2021-08-27
Company: Home Loan Center, Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/2021, I applied for a loan through LendingTree.com. ( THEY are not the issue/problem. ) When doing so, I received multiple emails from different " banks '' stating my application/info has been approved. I clicked on the email that I received from " LendingTree '' and move forward with the process. I began to get emails and text messages from the Loan Officer, XXXX XXXX, who walked me through their process in order to have the {$5000.00} deposited into my checking account. I unfortunately gave them my login and password for my bank account. They then said that they had to 1st deposit {$1400.00} into my bank account, which would increase my credit score. I would have to then pay them back that amount immediately and then they would deposit the {$5000.00} into my account. When I contacted them about the {$1400.00} being deposited, they told me that I had to pay it back either using the XXXX XXXX or by purchasing XXXX XXXX XXXX. I immediately told them I was not comfortable with moving forward with them, and I contacted a rep at LendingTree.com this morning, XX/XX/XXXX. I explained to the rep what had happened and she tried to pull my email address up to see if 1 of their banks was working with me. No surprise, she couldn't find anything! She walked me through what I needed to do to be certain the scammers wouldn't be able to mess with my bank account any further. I sent the rep at LendingTree.com my emails, texts and documents that I have received by the scammers. 
As of now, the {$1400.00} is still in my bank account that the scammers deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Jonathan C. Frank & Associates, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/XXXX - XX/XX/XXXX Various text messages received regarding a debt. 
Tuesday, XX/XX/XXXX - Relative contacted regarding a debt. 
No notice of any debt in writing to date. 
I do know what this is related to or if it 's a new fraud method. 
Traced phone number to www.jonathancfrank.com

Company response to consumer: Untimely response
Consumer complaint received 2021-08-27
Company: Fay Servicing, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to Covid we got behind on payments starting XX/XX/2020. We tried to pay and figure out options in XX/XX/2020 and the mortgage company has refused to talk to us. They also shut down my online account I was paying on. The mortgage company is Fay Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I successfully completed, signed and notarized a loan modification with Shellpoint Mortgage in XX/XX/XXXX. In XX/XX/XXXX the loan was transferred to another servicer, XXXX XXXX XXXX. As XX/XX/XXXX my modification has not been completed. My loan is in limbo and I have been making payments that are not credited to my loan. I call both companies and everyday. XXXX told me today XX/XX/XXXX that they can not get the terms of the loan to match the terms that Shellpoint sent. XXXX says Shellpoint is not responding, Shellpoint says XXXX has everything they need. 

Originally, I was told that in order to start the trial modification I would need to pay {$10000.00} prior to the first payment in XX/XX/XXXX. In XX/XX/XXXX I expressed my concern about paying {$10000.00} essentially a down payment that was not noted in the agreement. There was no mention of the {$10000.00} anywhere, I went out of my way to continue to tell Shellpoint that this didn't seem right. Well my fears are now validated because XXXX indicates the {$10000.00} is the very reason they can not process my loan - because the {$10000.00} was not spelled out in the modification paperwork as a down payment - it is essentially showing that I made all the trial payments as a lump sum. 

As of XX/XX/XXXX nothing is resolved and I am still limbo with this loan. Its is extremely hard to get anyone on the phone at either company. 

Specifically I have left messages for the Supervisors at XXXX, XXXX XXXX and XXXX XXXX but no one cares enough to call back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Bank of America at XXXX XXXX XXXX XXXX, XXXX, NC XXXX has been sending me collection notices in the amount of {$350.00} of collection has been past due. I have expressed to them multiple times that the overdraft was fraud and some stoped my card. Also my Id and social 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 explanation
Consumer complaint received 2017-09-08
Company: ACS Education Services
State: KS
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 previously had a student loan serviced by ACS ; the loan went into default and was transferred to another servicer. I completed a loan rehabilitation program on XXXX/XXXX/XXXX and all derogatory information pertaining the payment history was supposed to be removed from my credit reports ; ACS is the only servicer still reporting negative payment history and they are refusing to remove that information. I spoke to ACS by phone on XXXX/XXXX/XXXX and was advised to send documentation via email verifying the loan has been rehabilitated and is in good standing ; I submitted all the requested documentation on the same day and was told I would receive a response within 3 business days- I have not received any communication. I filed a dispute with XXXX XXXX and XXXX & sent them supporting documentation. XXXX is still investigating the dispute, XXXX has failed to even acknowledge the dispute or open an investigation and XXXX has already completed the investigation and is refusing to remove the negative information because they say ACS validated the information. The loan was rehabilitated and is in good standing with the current servicer, the guarantor and the Department of Education. There is no reason why the negative information should still show up and I would like for it to be removed as it is detrimental to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX husband XXXX XXXX and she has been trying to deal with all of the things that he took care of that she did not know about. She is a XXXX XXXX and has gone back to work full time. 
She has submitted at least 30 modification packages to Caliber Home Loans with a never ending list of more and more documents. Before XXXX XXXX XXXX, the loan was in good standing. 
She is now facing a foreclosure sale date on XXXX XXXX, 2017. 
Caliber Home Loans refuse to work with the homeowner. Caliber Home loans refuse to help her. She has money saved to pay on her mortgage if she need a faith payment she is ready. She is financially able to pay her mortgage each and every month. 
This home is all that she has of the life that she once knew before her husband XXXX XXXX 

Please help her.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NY
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:
After the major Equifax breach was finally recently reported to the public, I accessed their website, to see if my CC info was stolen. 
The site advertised " We have provided a tool on this site for you to determine if your information was potentially impacted by this incident. '' However, there was no such tool, only other advertisements to sign up for protection services, to get a credit report, etc. Undoubtedly fees would be involved. 
There is apparently no way to directly check to see if my CC # s were stolen. 
This is pure BS, of course. There is nothing an individual can do about this. Meanwhile company management dumped their Equifax stock immediately after they realized what they had let happen, having failed to install safeguards after previous incidents. 
Only the CFPB can do anything about this. 
Thanks for letting me rant. 
Please help us!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
To whom it may concern, I am writing to explain the frustration and concerns I have with Bank of America Credit card services. I have had this specific credit card since XXXX and was recently offered a 0 % for 12 or 18 months on balance transfers. I took advantage of this offer in XX/XX/XXXX transferring about {$9000.00} of my {$12000.00} credit limit to this card. I received notification from Bank of America recently that they had closed my account. I then called the Bank and was told that by me transferring the {$9000.00} theyre systems saw this as increased risk and therefore they decided to close my account. My issue here is why would they have this promotion if they were just going to see this as increased risk and close customers accounts as a result? By them closing my credit card my credit score suffered as a result.

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 2017-09-08
Company: EQUIFAX, INC.
State: CA
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 exposed all of the information needed to commit identity theft to hackers on XX/XX/XXXX and they refuse to protect me until XX/XX/XXXX due to " high call volumes. '' In addition, they will only protect me for ONE YEAR, after which I need to start paying them to protect me. It is outrageous that they are entitled to PROFIT from their inability to protect my non-public personal information.

Company response to consumer: Closed with explanation