BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2015 i had reserved a vehicle from XXXX XXXX XXXX for a wedding. To reserve the vehicle i had to provide a debt card along with D/L information. I authorized XXXX XXXX XXXX to charge me for the amount of {$200.00} that was for the deposit for booking the vehicles. Next day we noticed XXXX additional charges for {$74.00} and the following day another XXXX additional charges for {$220.00} and another XXXX for {$100.00} on the same day and these charges were NOT authorized or notified of. Since it was a weekend we were unable to get in touch with bank of america because they have certain working hours and are closed on weekends, with no customer service on weekends what so ever. The following Monday we called Bank Of America to dispute the charges made to my account. They told me that they will reverse the charges and do a investigation on the matter. On XXXX XXXX, 2015 we received a report from Bank of America with all the backups and stating that there were no errors in those transactions and rejected our request for the dispute. When reviewing the transactions which we know that we did not authorize any of them. We noticed that the documents submitted by XXXX XXXX XXXX that summarizes the job for the day had a forged signature on the document. We tried to get into contact with Bank of America to notify them that the signatures were forged and that we did not authorize the charges and bank of america insisted that the signatures are ok and that the transactions are true. We again explained to Bank of America that the charges are not true and we did not authorize them. After going back and forth with bank of america for about a week being passed to different representatives we reopened the dispute and sent a rebuttal documents. After a few days of waiting for Bank of America to contact me, i called to get a status on the issue. Bank of america again stated that they will be rejecting the dispute and that there is nothing they can do about the issue. I requested to speak with the investigator that was taking care of my dispute to clarify the errors. Until now XXXX/XXXX/2015 i still have not heard back from bank of america regarding my dispute. On XXXX XXXX, 2015 there were XXXX un-authorized charges for {$220.00}, {$100.00}, and {$100.00}. On XXXX XXXX, 2015 there were XXXX more unauthorized charges for {$74.00} and another {$74.00}. The total amount is {$570.00} that was taken from my account by Bank Of America without my authorization and agreement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Bank of America closed my credit card account at some unspecified time without notifying me. I 'm not sure when, but I paid off my balance last month. When I called to ask why they closed the account they said it was because I had n't used my card in 60 days and they were n't receiving money from me. They reopened it, but until I receive a new card, which they estimate will take 2 weeks, I ca n't use my existing card even though apparently my account numbers, etc. are all the same.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$13000.00}, {$980.00}, {$6000.00}, {$20000.00}, {$14000.00}, {$0.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$980.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

7. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.

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 2022-02-21
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted complaint XXXX. This is additional information that should be included. 

As stated in the other complaint we have held homeowners insurance and flood insurance for our building shared with XXXX other homeowner ( XXXX units/XXXX  building ) from the date of purchase. We dealt with customer service issues at Mr. Cooper claiming documents were not uploaded, could not be read, or were confused with other homeowners name. In addition, documents were not only uploaded but emailed. This went on for months and every time we called after an auto generated letter, we were told it was fixed. 

Insurance was purchased for us on XX/XX/21. Mr. Cooper is charging us for insurance which begins on XX/XX/21. How is that legally allowed let alone morally correct to charge someone for insurance in a past time period? The past is over and nothing can happen now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My private loan through sallie mae now navient went into default in XX/XX/XXXX. I was charged 16 percent interest initially in XX/XX/XXXX when my credit was at a very positive status. I had to get a loan to cover the existing balance that my federal loans did not cover. 
I was told in XX/XX/XXXX by an 3rd party agent that if I didnt make a large sum payment that there would be legal action taken immediately at that point made a XXXX dollar payment. I was continually making payments to my loan the best I can til I lost my job. They offered me a 0 percent repayment option and I was unable to come up with a large sum of money that the agency requested. Then recently through another agency they offered me 0 percent repayment without a down payment. why wasnt this offered to me in XX/XX/XXXX? 
Navient will not give me any concessions and I asked repeatedly for documentation since my loan originated. It took months to years and no one would get that info til recently. Ive paid thousands and thousands in this loan and still accruing interest. I was told by many attorneys that this loan is a scam. When I request info they tell me to refer to the agency because theres not anything they ( navient ) can do. When I talk to the agent, they tell me to refer to Navient. Its old! 
Can you please help me? I want to come to a positive solution on this. And also would like to consider a civil lawsuit if possible. And understand that Navient has many legal action lawsuits against them currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, 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 2017-08-06
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Name of Company : XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX Amount : {$3700.00} This account is on my credit report, this is not my account. I have disputed the account and the removed it from one credit report. The company then placed it only credit report with a new balance of {$3600.00}. I need this account to removed from all three credit agency.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$13000.00}, {$980.00}, {$6000.00}, {$20000.00}, {$14000.00}, {$0.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX  XXXX XXXX XXXX   N with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$980.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

7. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.

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 2016-11-11
Company: URS Holding, LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I XXXX XXXX make a claim with the Consumer Financial Protection Bureau ( CFPB ) that the following attached attempt to collect a debt is highly fraudulent. My personal information is being floated in what is known in the debt collection business as a " debt Pool '', whereas collection information is outdated and not even enforceable. The attached collection from Alltran Financial , LP does not state that the debt is no longer enforceable, a stipulation by the Federal Trade Commission. The method of an illegal posting of a collection on my personal credit report, or an illegal collection against my rights of the Fair Debt Collection Practices Act can not be tolerated. In Federal Trade Commission v. XXXX XXXX XXXX, XXXX ( 2009 ) the federal district court decided in favor of the Federal Trade Commission that a collection agency must operate within strict guidelines in the collection of a debt. The criteria are as follows : 1 ) The debt must still be enforceable within the state of procurement or where the original obligator resides, or a combination of both. 
2 ) The debt collector must be licensed and bonded if applicable within the state in which it is trying to collect, if the debt is collectable. 
3 ) The validation of debt ownership must be proved, without exception. 
There is no statement on the attached collection that the debt is no longer enforceable. The collection agency stipulates that XXXX XXXX XXXX obtained a judgment against me. By legal mandate, the docket number of the judgment must be listed as well as what county clerk 's office the judgment is filed with. In this case, there is no judgment. The statement saying " This judgment may be forwarded to an attorney for execution '' is a complete falsehood. There can not be a lawsuit as the legal time limit to enforce a summary judgment action has passed. 
Even though the collection letter states that illegal, abusive, deceptive and unfair debt collections are illegal, this collection in its entirety is just that, a deceptive illegal attempt to collect a debt that is no longer enforceable. 
I demand that all my information be purged immediately by Alltran Financial , LP and XXXX XXXX XXXX, and that the Consumer Financial Protection Bureau ( CFPB ) take the necessary steps to sanction both companies for using such abusive collection tactics.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Billing statement

Complaint:
My Bank of America Credit Card statement balance was paid in full before the due date, and I was still charged a fee listed as a minimum interest charge. I called customer service and explained that the statement clearly showed that my previous balance minus my payments & other credits added up to zero, just like the previous month when no interest fee was charged. But, the customer service representative told me it was Bank of America 's policy to still charge me a minimum interest charge regardless, and emphatically stated that this policy was not going to change. I believe this is a misleading and deceptive practice by Bank of America, that is in clear violation of my credit card agreement, and should be illegal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-17
Company: WELLS FARGO & COMPANY
State: GA
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 have a loan with WELLS FARGO BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, WELLS FARGO BANK with no successful resolution. ( XXXX, XXXX, and XXXX   reporting me late. There was definitely an error on their part. I was never 30 days late ( 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 2020-08-17
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Pulled credit without permission. Website was very broken and did not function as they claimed. I spoke with a chat rep about these tech failures on the same visit on which they are basing the fraudulent credit pull. Talked with rep when they called me in response to a negative online review, she was nice but did nothing to remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Car was broken into and had my wallet, laptop, and other items stolen on XXXX XXXX, 2016. I filed a police report and reported stolen for all my cards. All the cards came except the Bank of America debit card, a card that I rarely use. On XXXX XXXX, the thieves started using my debit card for withdrawals at various locations, and even went to the teller to withdraw {$8000.00}. I found out on the XXXX as I was getting ready for another deposit but the balance was not close to the number that I last remembered and so I went to Bank of America XXXX XXXX XXXX XXXX ) to call to have the account frozen. The next day, they were still able to withdraw {$500.00} from the account and I called BOA again to express my concern. The office claimed that I did not report anything until the XXXX which was incorrect and refuse to take any responsibility for the fraudulent charges. The person broke into my laptop and had access to my password files in which they even went online to change the primary and secondary contact information. BOA claimed that they have called me regarding unusual activity regarding the account but I did n't receive any and my telephone bills has evidence of that. I have filed with the FTC, XXXX credit bureau, FBI, and police station regarding this case and the status is still pending. I have requested multiple claims with BOA and they have denied the claims for the 2 times that we have appealed. I have also sent them a letter regarding the extra documents that they requested but have not heard from them since. I want this to be taken care ASAP because I have n't used a dime on this account and there was a fraudulent charge of over {$13000.00}.

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 2016-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
About two and half years ago I purchased a copy of my credit report and had noticed there were addresses and some credit card accounts that was not mine, among these account XXXX them was with bank of America. I had immediately contacted the credit bureaus and had notified them about my identity was stolen .Also same time I did a police report and ftc report and contacted every XXXX of those account that was showing up in my credit report that did not belong to me and explain to them about my identity was stolen and all of them took care of the account that was opened under my name but having problem with Bank of America that been giving me the run around for the past two and half years. I had send them the following letter certified mail more than ten times, Dear Sirs or madams : An account from your company is appearing on my credit report. I am not aware of having any account with your company. I request that you investigate this matter and provide me with the following : A legible copy of the original signed agreement for this account, which should show my personal information, as well as my signature. 
Any other documentation that verifies the account is mine. 
If you can not or will not provide me this information, then I formally request you send me a letter stating that this account does not belong to me and that it will be removed from my credit reports. Until this matter is cleared up, I firmly request that you stop reporting this account altogether. Please give this matter your prompt attention. I had disputed this account with credit bureaus and bank of America and nothing happened so far. bank of America has not responded to me. at this time I need your help to get my problem resolved with bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21
Company: WESTERN UNION COMPANY, THE
State: IL
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
Western Union Case Reference # XXXX On XXXX/XXXX/16, around XXXX I tried to make a money transfer transaction through Western Union of {$1400.00} ( MTCN : XXXX ). At the end I received an error that this transaction can not be completed due to an error. I called the Western Union, and the lady explained to me that this might be happened due to WU system upgrade. She was also not able to see any transaction during the review of my account. While I was taking to her I tried another attempt ( MTCN : XXXX ). I received the same error. She said these transactions are not going through probably due to system maintenance and you can try again at a later time. If you still face the same issue then call us and we will do the transaction for you. 

After about an hour, I made another attempt ( MTCN : XXXX ) that went fine and I received the message that the transaction completed successfully. 
On XXXX/XXXX/16, around XXXX, during the review of my Bank Account, I was shocked after seeing my account balance. I do n't have sufficient funds available due to additional XXXX consecutive transaction of {$1400.00} from WU. Right away I called to WU to communicate the transaction issue. The WU representative ( XXXX XXXX, XXXX # XXXX ) told me that WU will revert the initial XXXX transactions within 7 days. 

My subject Bank Account is used for auto-pay bills. Currently sufficient money is not available in my account. I already suffer enough by WU system issues and non-vigilant customer service. I am astonished that these kinds of transactions were not considered suspicious at WU end and the client was not contacted immediately before finalizing these transactions. 

The money related XXXX additional transactions is still available in the receiver Bank Account. This problem is happened due to the system issues and WU should be responsible to revert initial XXXX transactions. I want to keep my record straight for all my financial deals. 

Until today ( XXXX/XXXX/2016 ) WU was not able to able to provide any satisfactory answer to provide the solution of the problem happened due to WU system glitch.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I have no idea what this is even about. I have attached the email and the email attachment that was sent to me.

Company response to consumer: Closed with explanation