BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
On XX/XX/2016 I received a call from a representative from the loan processing center of Bank of America regarding a recent application the under review. I believe there was premeditated intent to mislead me with the intent of gathering a statement from me with misleading questioning designed to profit their case against against me, under false pretenses this conspiring to deny me rightful credit approval has been propagated by several individuals therefore I suspect collusion. A further inquiry of this phone conversation will reveal several co-conspirators of this malfeasance of civil rights violations of fair lending? I am a minority and I demand an accounting of this habitual antagonistic contentious pattern of behavior towards under-represented people borrowing from institutions who were themselves saved with bail out money from ordinary people, like myself who pay their taxes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: MRS BPO, LLC
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i am being called by MRS BPO every day. a machine makes the call. i am not the person they are looking for. it is the person who used to have this phone number. 
there is no way to get them to stop because the machine circles around and around. i have called their main number where the operator says she can not help me and transfers me to a number where nobody answers. please make them stop. when calls for the same person were made by human beings, i was able to convince them i am not the one who owes the debt. can not get the machine calls stopped.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX XXXX Balance : {$16000.00} - This kind of account is noted as a charged off account. The account balance is truly inaccurate, be sure to remove the item fully. Please also offer documentation to make sure that all the charges and credits to this particular alleged account that caused the high credit number you have displayed on my report. My petition to give these records is seen as a standard information inquiry as per my privileges awarded through the fair credit billing act. If you're unable to deliver this data per my civil rights inquiry, you should automatically eliminate this specific erroneous entry.

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 2016-11-22
Company: CL Holdings LLC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX has been harassing me on and off for the past few years to pay a debt that is not mine. I have communicated this numerous times to XXXX XXXX and the various debt collection companies they use ( most recently Jefferson Capital Systems ). They fail to offer any evidence that this is my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: JPMORGAN CHASE & CO.
State: UT
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
This mortgage was aggressively marketed to us by Washington Mutual Bank in 2007. Over the past several years I have discussed this matter with them and many individuals, inside the former Washington Mutual and, now Chase, Bank 's. I have spent many many hours learning about the situation. I have had many real-estate and legal processionals look at the situation as well. 
I reluctantly, negotiated a loan modification with Chase bank. This modification resulted in XXXX separate mortgages. A " new principle balance '' of {$380000.00} and a " deferred principle balance '' of {$170000.00}. Language in the modification very specifically states that " provided I am not in default under the terms of this agreement and I pay my Note in full ( XXXX ) any time more than 30 calendar days after the modification Effective Date, and ( XXXX ) PRIOR TO THE APPLICATION OF THE ENTIRE DIFFERED PRINCIPAL REDUCTION AMOUNT, I SHALL BE FULLY VESTED IN AND ENTITLED TO THE UNAPPLIED AMOUNT OF THE DEFERRED PRINCIPAL REDUCTION AMOUNT AND THE UNAPPLIED AMOUNT SHALL BE DEDUCTED FROM MY PAY OFF BALANCE. This can be found on page XXXX of the attached document, the last paragraph on the page. Some XXXX wanted to buy the home and the Bank has refused to comply with this part of the agreement signed by the bank and myself. I have retained an attorney and will be pursuing legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have a mortgage from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, XXXX, and Equifax only reporting me 30 days late in XX/XX/2019 and 30 Days Late in XX/XX/2019. There was an error on their part. I was never 30 days late on these two occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A credit card account with Wells Fargo bank was fraudulently opened by ex-husband with Wells Fargo Bank. It did not come to my attention until years following our divorce. I made repeated efforts to have me removed from and close the account. 

In XX/XX/2017, I received an {$85.00} dollar payment from Wells Fargo for damages with reference too the unauthorized account and the accounts were removed from the credit reporting agencies. 

This week I received a letter from Wells Fargo regarding an early warning system for unauthorized accounts. In conversation regarding these accounts, it was brought to my attention that the disputed account was still opened. Further I was told, that I was still considered an active signer on the active and liable for all funds charged to the 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 non-monetary relief
Consumer complaint received 2022-10-13
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made 4 deposits into my Citibank business account on XX/XX/2022 in the ATM machine. The deposit amounts were, {$1400.00}, {$300.00}, {$6600.00}, {$1800.00} for a total of {$10000.00}. The deposits were comprised of a total of 12 checks from businesses. Of those 4 deposits ( 12 checks ) the bank only made available to me $ {$290.00} immediately to withdraw or write checks against and did not make the funds available until XX/XX/XXXX. As a result it caused two of my checks to be returned unpaid which is a huge embarrassment. I feel that the bank should have made more funds available than {$290.00} on the date the deposit was made considering the amount of my deposit, but instead made me wait 5 days because Monday was a holiday.

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 2020-03-17
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: Account status incorrect

Complaint:
I have a mortgage from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX  with no successful resolution. Experian, XXXX, and XXXX  only reporting me 30 days late in XX/XX/2019 and 30 Days Late in XX/XX/2019. There was an error on their part. I was never 30 days late on these two occasions.

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 2022-03-26
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: Information belongs to someone else

Complaint:
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To whom this may concern, I am writing this letter because of terrible experience I had with my last purchase. The purchase was made on XX/XX/2020 in the amount of {$42.00}. Since this purchase, I never received a bill in the mail. I was enrolled in paper statements. After some time, I reached out to Macys to see where my bill was for the item that was purchased. They notified me that I was already sent to collections and that my account was set to paperless billing. I never authorized paperless billing as all of my bills are paper and are sent to my home address. No one reached out to me regarding the outstanding balance. I was able to get a hold of a customer service agent on XX/XX/2020 who advised me that she would take care the charges on the account and apologized for the trouble that this has caused us. The person I spoke to was XXXX ( ID : XXXX ). Today, I received another bill with all of the charges still outstanding on the account. I called customer service again and experienced terrible customer service. The agent was nasty and rude and did not help me. I have great credit history and have never missed any payments. I have been a life-long customer of XXXX but this incident has caused me great stress and worry and has ruined my credit score. I would appreciate if someone can get in contact with me so that I can have this issue resolved. I will pay the amount of {$42.00} in full but I will not be making any additional payments as I never received any statements in the past. 



Sincerely, XXXX XXXX Macys Account # 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 monetary relief
Consumer complaint received 2017-01-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
My credit card contract stipulated that I would incur no interest charges if balances are paid in full by the statement due date. I mistakenly short paid my XX/XX/XXXX statement by {$120.00} and saw interest charges on my XX/XX/XXXX statement for {$33.00}. Knowing that it was my fault, I paid the interest charges and full open balance before the specified due date. My XX/XX/XXXX statement reflected additional interest charges of {$55.00}. When I called the credit card company to discuss the issue, I was given a very fragmented explanation about how the interest was calculated and that the XX/XX/XXXX statement was reflecting interest for XX/XX/XXXX purchases. In the end, I am paying {$88.00} in interest charges for short paying my XX/XX/XXXX statement by {$120.00}. The representative could provide no explanation as to why the interest charges were excessive. In addition, the representative refused to remove the charges or compromise. I understand that the interest is calculated daily and compounding occurs, but something is not right here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2021-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX I am currently having an issue with Bank Of America trying to foreclose on my home on XXXX/XXXX/2016. I have been trying to work with them for years now to get the home under my as per the Administration letters we received appointing me executor of the estate. Both my parent passed away XXXX XXXX and XXXX XXXX leaving me this house. BAC has been reviewing my situation and I have XXXX letters stating I 'm being reviewed dates XXXX and another XXXX on XXXX/XXXX/2016 but yet they are still foreclosing on XXXX/XXXX/2016. 
I have asked them for a reinstatement quote but they refuse to give me XXXX, they have not sent me any letters to get this current or to cure the delinquent amount. Please help me keep my home so Bank of America do n't take 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 non-monetary relief
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have noticed unauthorized inquiries on my credit report with Experian. I have a inquiry from XXXX XXXX that I do not recognize. I did not make this charge therefore it must be removed.

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 2021-01-12
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX ( XXXX ) XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Line of credit. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online FCRA VIOLAITONS REMOVE INQUIRES XXXX XXXX {$0.00} Closed Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Installment Balance on XX/XX/XXXX Loan Amount {$0.00} {$160000.00} Payment Info Status Pays account as agreed Status date XX/XX/XXXX Past due amount - Original loan amount {$160000.00} Monthly payment - Late payments - No payments have been reported on this account. 
Additional info Responsibility Joint Account Terms 72 Months Company sold - Original creditor - Comments FIXED RATE Your statements - XXXX XXXX {$0.00} Closed Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Installment Balance on XX/XX/XXXX Loan Amount {$0.00} {$160000.00} Payment Info Status Pays account as agreed Status date XX/XX/XXXX Past due amount - Original loan amount {$160000.00} Monthly payment - Late payments - No payments have been reported on this account. 
Additional info Responsibility Joint Account Terms 72 Months Company sold - Original creditor - Comments FIXED RATE Your statements - UNKNOWN PAYMENT SHOWING FCRA VIOLATIONS FIX THIS SEE ATTACHMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Savings account
Issue: Problems caused by my funds being low

Complaint:
I AM A XXXX WITH SERVICE CONNECTED XXXX, MY WIFE WAS MY CARETAKER UNTIL HER DEATH IN XX/XX/XXXX, XXXX REQUIRED ME TO HAVE A NEW PAYEE FOR MY XXXX CHECKING ACCOUNT AND POWER OF ATTORNEY FOR MY NONE XXXX BANKING ACCOUNTS. AT BANK OF AMERICA, THEY TOLD ME ANDTHE NEW CARETAKER TO ( XXXX ) BRING THE DOCUMENTS FROM THE LOCAL XXXX OFFICE AND POWER OF ATTORNEY TO THEM AND THEY WOULD SETUP THE ACCOUNTS .WE DID AS REQUESTED AND NEW ACCOUNTS WERE SETUP.NOW IT XX/XX/XXXX AND MY CARETAKER HAS IRS PAYMENT PROBLEMS AND MY ACCOUNT WAS OVER-DRAFTED BY {$25000.00} AS PAYMENT ON HER BILLS.NOW THE BANKS IS CHARGING ME LEGAL AND OVERDRAFT FEES, SAYING IS WAS IRS FAULT THE ERROR WAS MADE, IRS SAYS IT IS THE BANK FAULT FOR NOT SETTING UP THE ACCOUNT AS A POWER OF ATTORNEY, WITH OUT ( P.OA. ) ON THE ACCOUNT, NO MONEY WAS TAKEN FROM THE XXXX ACCOUNT BECAUSE IT WAS NOTED AS PAYEE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Credit Bureaus are showing accounts that do not belong to me. I filed a police report about the identity theft or incorrect information months ago. There have been some of the inaccurate things removed but others still continue to populate the reports. There are also inaccurate prior addresses that they still have not removed as well as some inquiries. There is a company " XXXX XXXX '' saying I owe two different accounts XXXX*** and XXXX*** both on my XXXX  and Transunion Reports . There is also an XXXX account XXXX**** that was never mine..

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 2022-10-13
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XXXX Follow up. 
Santander did nothing to help me. I was able to sell the car for more than amount of loan Santander wrongfully refused to transfer title repossessed vehicle and ruined my credit and did not use commercially reasonable means to repossess car, sell car and never provided me with an itemized statement.

Company response to consumer: Closed with non-monetary relief