BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
three years ago bank of america put my name in the XXXX and other databases so i cant do any type of financial transactions on earth anymore. i had a direct deposit from an employer on a friday and typically the money would be available the following monday. on saturday morning i wanted to go to a book sale and pay cash so i wrote a check to my checking account and took out cash knowing that i would be able to cover the check with my direct deposit by the time bank of america " presented '' the check on monday. at bank of america, an transaction made after XXXX on a friday is a MONDAY business day transaction, so obviously my transaction on saturday morning was a MONDAY BUSINESS DAY TRANSACTION. the atm receipt had the date of the transaction ( which was about XXXX on saturday XXXX and also the " business date '' of the transaction which was listed as the following MONDAY. i had done this type of transaction many times before without problems. on monday when i went to the atm to deposit cash to cover the check i had written on saturday morning it said my account had been closed. i called bank of america the they told me they had put my name in the XXXX database as having done " bank fraud '' and that i would never be able to do any type of financial transaction on earth for the rest of my life. i then went over to the local branch in XXXX california and talked to the branch manager XXXX XXXX. he took {$860.00} cash from me ( this was monday afternoon ) so if they hadnt closed the account the check would have been fully funded. he called bank of america and they confirmed to him that they had put my name on XXXX and that i was now blackballed from doing financial transactions on earth. the corporate offices told him nothing could be done about it because " the department that put my name in the XXXX database doesnt talk to anyone, either bank of america employees or customers ''. this was very unfair to me as, under their own rules, bank of america should not have submitted that check until monday, and since the bank manager took {$860.00} from me, the check would not have bounced. obviously since bank of america did not lose money they were not the victim of " bank fraud ''. i went to several other banks like XXXX, XXXX and XXXX and credit unions and i was indeed blackballed from doing financial transactions in america, none of them would open an account for me. this has had a drastic effect on my life since my business in online and i need a bank account to receive payments from customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I HAD THEFT TO MY ACCOUNT. THEY LOCKED MY ACCOUNT FOR OVER A MONTH, MADE ME GO THROUGH ALL KINDS OF LOOP HOLES TO GET MY MONEY AND HAVE THE PERSON ON CAMERA THAT DID FRAUDULENT ACTIVITY TO MY ACCOUNT. HOWEVER, AFTER NOT GETTING ALL OF MY MONEY THEY STILL CLOSED MY ACCOUNT AND ARE REPORTING AS I OWE MONEY. I GAVE NUMEROUS STATEMENTS AND WAS WILLING TO PROSECUTE. I EVEN FILED CHARGES WITH MY COUNTY POLICE DEPARTMENT.

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 2022-05-21
Company: KEYCORP
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/17 I was at XXXX purchasing some food with my Key Bank debit card to my surprise it was declining I called Key Bank and they told me that they blocked my card because they got a message from MasterCard the day before that my card been compromise the problem is they didn't give me immediate notice that my funds will be blocked because of the situation they have my phone number and email and in the morning I looked at the banking app that there was no notifications of my card being closed or block. And I missed my doctor 's appointment because I had to go to a branch to get a ATM card just so I can get access to my money. They had a duty to legally tell me immediately what was going on with my account. On top of that the XXXX  employee was going to call the cops on me because I was able to pay for the food. Because of their negligence I suffered emotional distress and embarrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: CITIBANK, N.A.
State: FL
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:
In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

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 2016-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Delinquent account

Complaint:
I opened my first credit card about 6 years ago with Bank of America. I ended up closing my account 2 years after initially opening the account. There was a {$30.00} annual fee with this credit card. Those fees were paid in full with zero balance. Now, I am trying to refinance my house, and I have a {$18.00} balance that is long past due. I was never even notified about this past due balance. This is affecting my credit, and I need this {$18.00} balance removed immediately. I feel this balance is an error, but I am willing to pay the balance. I greatly appreciate any assistance.

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 2016-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I received a credit card from Bank of America that I did not request. 
( card # XXXX ) Exp XX/XX/2020 )

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 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It's my belief that XXXX XXXX  has taken discriminatory actions against me. The company fails to abide by federal regulations. Company is in direct violation of 15 U.S.Code 1681a ( 2 ) ( i ) which clearly states item to be excluded from a consumer report ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; shall be excluded. The definition of excluded means remove from consideration. XXXX XXXX has taken adverse discriminatory actions against me and has failed to perform a FAIR and accurate investigative consumer report as defined under the rules of construction 15 U.S.C 1681a ( 3 ) ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer. XXXX XXXX has no prior written permission nore any lawful authority having means of my nonpublic private personal information. Fraudulent acts having the use of my non public private personal information and furnishing collections on my consumer report as a way to coercing a payment a direct violation of 18 U.S.C 1028a Identity Theft! Company is also in violation of a Ceist and Desist order, terminating communication through all mediums directly or indirectly. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

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 2020-08-15
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
When Covid hit, I lost my job. My husband is XXXX and we only have his XXXX as income. I called Freedom Mortgage around XX/XX/XXXX and told them about our situation. They explained that they were working with people to not report them on credit and not charge them late fees, due to the pandemic. I explained that I was just waiting for my husbands XXXX check but we never know when it will come. 

On XX/XX/XXXX I made my mortgage payment of {$1100.00} to Freedom Mortgage, via their website. On that same day I received a email confirmation that I made the payment. but the email had the date XX/XX/XXXX on it. I have attached a screen shot of the email. In the upper corner you can see the email was sent on XX/XX/XXXX. 

On XX/XX/XXXX I got a credit notice that Freedom Mortgage had reported me more than 30 days late. I made my payment before the end of the month. So I immediately contacted them. 
The rep at Freedom told me that they must have just taken too long to process the payment and that there was nothing they could do. I have spoken with many reps via phone, email, and online messaging, and no one will help me. 

I need the late report taken off of my credit and out of their system. Their lack in proper processing time and lack of notice for longer than normal processing time is unethical. It is greatly affecting my credit and opportunity to refinance my home.

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 2020-08-15
Company: ID Analytics, 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:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future  information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX, XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX TN XXXX XXXX XXXX XXXX XXXXXXXX XXXX TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX. Please remove the following numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following account is not mines : XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I XXXX XXXX IS VERY, VERY DISPLEASE WITH BANK OF AMERICA WHO IS ILLEGALLY WITHHOLDING UP MY ACCOUNT AT XXXX ENDING # XXXX DUE TO THE FACT XXXX XXXX STATED THAT HIS MONEY I TOOK BUT IS DUE TO MY SELF WHICH HE MADE FRAUDLENT TRANSACTION FROM MY ACCOUNT TO HIS ACCOUNT, I WANT THIS BANK TO RELEASED MY {$400.00} RELEASED BACK TO MY ACCOUNT, BANK OF AMERICA WENT INTO MY ACCOUINT FRAUDLENT AND IS WITHHOLDING, HOLDING UP MY ACCOUNT, BANK OF AMERICA XXXX XXXX XXXX, NJ 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 2022-05-21
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX, I entered into a two year lease agreement with XXXX to lease a XXXX XXXX XXXX. My lease was schedule to expire on XX/XX/XXXX. I called XXXX in XXXX and asked to extend my lease term for a few months because my father was in the hospital and I was unable to locate a replacement vehicle. XXXX agreed to extend the term of my lease. During my conversation with the representative I was never told that during the renewal term XXXX would stop collecting my monthly lease payment from my auto payment account on file. For two years I paid my lease on time every month through the auto payment option on the XXXX website. I was never late and never missed a payment. On XX/XX/XXXX, I received a notification from the credit bureaus that XXXX reported my XXXX payment as late to the credit bureaus. I called XXXX right away and found out that I was reported because XXXX did not auto bill my payment. I told them that I was never informed about this policy and I did not receive any notification prior to the credit marking. XXXX declined to remove the credit marking. This is a false and deceptive practice by XXXX to potentially trick customers into paying late fees, or this is an oversight in their business practice policy. XXXX failed to provide the proper notices. This is the only negative credit marking on my credit history in the past four years and it has lowered by credit score by XXXX points, which resulted in a car loan and mortgage loan denial. XXXX also failed to report my on time payments to the credit bureaus on XX/XX/XXXX and XXXX, XXXX, XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have already bring this to your attention to remove this fraudulent and inaccurate reporting that is hurting my credit score for several times. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately. 

Here again is the incorrect information being reported : TARGET/TD XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Without my prior knowledge or authorization, somehow XXXX obtained my new debit card number after my previous card was cancelled for fraud. Not sure if it was my bank or XXXX who passed my information on, however I have never knowingly consented to such a practice. My bank informed me that the only way a merchant should be receiving this information is through me. However, somewhere down the line my information was passed on and I would consider it fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Experian Information Solutions Inc.
State: LA
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 repeatedly attempted to rectify my identity theft issues with the CRAs and they continue to willfully non-compliant.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX  XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$4900.00} )XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$710.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$880.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$260.00} ), XXXX  ( Opened XXXX. XXXX, XXXX, Highest Balance {$1600.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2016-06-07
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband and I were relocated for his work. I had tried to sell our home several times but the town it is located in has become very rundown and values have plunged. We decided to rent it out, which worked for a few years but we were still having to pay in to make the mortgage payments. Finally we decided we could no longer try to keep this house, and we live across the country so I submitted the paperwork for a DIL. After 3 months, we were denied, at first Ocwen said it was because we had not missed any payments - which we had, then the story changed when I contacted Ocwen 's XXXX. I was told they reviewed the file and that it was concluded we made enough to pay the mortgage. They based this on a XXXX monthly gross income and a XXXX monthly debt..I requested they send me the guidelines that stated this was a sufficient DTI to live on. After reviewing the numbers we sent in, I noticed my husband actually forgot to include some of our debt.. so now I have to resubmit again, which I have no problem with, but I do not feel that was a legitimate reason for denial, as a family of XXXX can not make it on the numbers we were denied on. Ocwen did this before when I applied for modification of the loan back in 2010, every 3 months they were telling us we needed to resubmit information- that went on for a year before I was able to get the ombudsman to intervene. This time around though, I do not feel the ombudsman is working to help me, the consumer, at all. This is a cat and mouse game to see if they can wear you down. I would rather have a DIL than a foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Genesis FS Card Services, 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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: National Credit Systems,Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Firstly, National Credit Systems Inc. reported a collection of {$5500.00} to my XXXX account. I totally don't know this collection, it doesn't belong me. I disputed in XXXX and called National Credit Systems Inc. for this issue. National Credit Systems Inc. asked my information including SSN and address, and said that I don't need to do anything except ignore this wrong information. But several weeks later, I received a letter from National Credit Systems Inc.. They asked me to pay this collection. I called them again and they said that the collection is not mine, and this letter send to me by mistake. However, National Credit Systems Inc. reported this collection again to XXXX, XXXX and XXXX after the call. I need to dispute again and again to delete this collection. I suspect that they defrauded my personal information and updated it to the collection. it caused me to fail in the XXXX   dispute. Their behavior damaged my credit, directly causing two extra hard pull, failure to apply apartment and credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The main issue aside from payments being applied late and incurring late charges is that I have sent OCWEN Loan Servicing LLC copies of my homeowner 's insurance policy, as had my insurance company, as has been the case in the past 13 years since having this mortgage and yet they claim they do not have proof of insurance and now have added XXXX insurance. Secondly, I have no evidence of who even owns the mortgage since it has been sold several times with no transfer documentation being furnished to me.

Company response to consumer: Closed with explanation