BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Bank of America issued a XXXX cancellation/discharge of debt back in XXXX which I filed with my income tax return for that year ( document attached ). BofA continues to report the accounts to XXXX, XXXX and XXXX as charged off, closed BUT with a current past due amount. This current past due amount should be XXXX ( {$0.00} ). When I called BofA, they told me that they agree that they charged it off, issued the XXXX and do not intend to collect. There is case law on whether an original creditor can collect after they 've issued a XXXX. In the bankruptcy case : XXXX, Debtors., United States Bankruptcy Court , XXXX Tennessee, XXXX XXXX, XXXX, the Court Stated : " It is inequitable to require a debtor to claim cancellation of debt income as a component of his or her gross income and subsequently pay taxes on it while still allowing the creditor, who has reported to the Internal Revenue Service and the debtor that the indebtedness was cancelled or discharged, to then collect it from the debtor. ... ... The court does not agree with the argument that because a Form XXXX can be corrected or amended, it can not constitute an admission by a creditor that a debt has, in fact, been discharged or cancelled and that the debtor is no longer indebted thereon. ''

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 2017-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I applied and closed a XXXX loan with Bank of America in XXXX XXXX. I rescinded that loan within the 3 day period allotted. Bank of America recognizes that I refused the loan but they still sent a Deed of Trust on my property. I have contacted, several times, the post-mortgage department responsible for the Deed of Trust but no one will contact me regarding whether the deed was recorded or not. I 've left messages and talked personally to their agents and was promised a status within 24 hours. My calls do not get returned, nor promised email sent. I just want to know that this deed of trust was NOT recorded against my property. I consider this unprofessional and inconsiderate and it leaves me hanging whether the deed was in fact invoked even though I DO NOT have a loan with this bank.

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 2015-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Late fee

Complaint:
Bank of America keeps charging me late fees after many attempts to be able to pay online. I sit on hold and just get hung up after the techs can not figure out what 's going on forcing me to pay over the phone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I contacted Portfolio Recovery Associates LLC to resolve ( 2 ) accounts showing in collections. The first account was paid in full of {$620.00} for XXXX as no settlement could be reached. The second account was with XXXX XXXX acct # : XXXX original debt owed was {$1100.00} requested for settlement of debt and was advised if I paid {$840.00} that would resolve the debt. I sent in payments via check as debt could not be paid over the phone with XXXX XXXX. I was told once payments were received it would take 30-90 days to come off credit report and I would receive a letter from the creditor ( Portfolio Recovery ) that both accounts were satisfied. As of XX/XX/XXXX I have not received any letters from company. I received a call from them on Thursday XXXX attempting to collect on the difference {$330.00}, I contacted vendor today who advised me that I did not satisfy the debt and this was new debt even though I verified the same account number listed above. He told me I did not have to pay the remaining debt however it will show on my credit report till XX/XX/XXXX. I'm confused as to if I was offered a settlement of the debt why my credit report is still showing an unpaid part in collections. Why offer a settlement if it doesn't satisfy the debt. I feel I was mispresented on XX/XX/XXXX and XX/XX/XXXX by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: FCI Lender Services Inc.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My title company received a mortgage payoff that was dated XX/XX/2020 and they were told that we were closing on XX/XX/2020 but that made the payoff good through XX/XX/2020. On XX/XX/2020 and the revised payoff was requested after noticing that the one provided was less than 30 days and it was showing XXXX Payment not made. An email was sent to the payoff department, and we followed up on XX/XX/2020 and on XX/XX/2020 and on XX/XX/2020. 

We close per contract, so not to default on the Sellers side of the transaction, we have been told by the servicer that they don't care when we are closing, they are 10 days behind on payoff and we just have to wait. 

I called again on Monday XX/XX/2020 and I asked we could just wire the payoff that showed XXXX not paid and they could refund the overages because we did not want the servicer to keep charging the XXXX per diem. 

I was told it did matter, I should have ordered my payoff 20 days prior to closing. I need your help, I am paying additional interest, due to the servicer lacking manpower to process an interest-only payoff. My funds are in escrow since Friday XXXX, 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 2020-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid the balance on my Walmart credit card, issued by Capital One, on XX/XX/2020 which included new purchases of {$200.00}. The previous balance of {$2000.00} plus the new charges of {$200.00} for a total of {$2200.00} was paid on XXXX XXXX. I neglected to call and get a pay off amount so I was charged {$35.00} interest on my XXXX statement due XX/XX/2020. 
I called today, XX/XX/2020 and spoke with XXXX to get a payoff amount and was told it was {$35.00}. I asked to speak to a supervisor because they are charging interest on interest. I spoke with XXXX and was told the same thing, I owe {$35.00} today. I explained that on my statement it states that I will not be charged interest if I pay off new charges on that billing cycle. I also explained that the {$35.00} on my statement is interest charged from the paid account and I am not questioning that I owe that amount. She explained it is calculated daily which I understand, but if all I owe is interest and they are charging more on XX/XX/2020, Capital One is charging interest on interest. She stated that the correct payoff amount today is {$35.00}. 
The amount is minimal, but Capital One 's practice to charge interest on interest is not right, so I am complaining to hopefully, have them discontinue this unfair practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Complaint against XXXX XXXX and Bank of America : My bank today took money off my credit card after placing it back when they received original complaint from against XXXX. 
Per the Bank it found no reason to take money from XXXX. Most important I was told I missed the XXXX closing date. No one said there was XXXX! Per Bank their investigator saw in XXXX materials that a refund can be given on the sleeping car portion that I asked for BUT XXXX said " I elected to take a voucher '' No I did not. If I had not been calling the Bank how would I have know of this? Bank sent me copy of XXXX first response XXXX page of its XXXX pages sent. I have no idea what there full response was therefore I could not respond to it. Bank said that 's it. Bank has my mortgage, credit card. I guess I have to continue the fight and think about separating from the Bank. When I asked for XXXX number I was given the computer ticket lady. What can your Agency do?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-12
Company: Experian Information Solutions Inc.
State: KS
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  XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2018-03-04
Company: WELLS FARGO & COMPANY
State: MN
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:
On XX/XX/XXXX, I received a credit card offer form Wells Fargo Financial Bank located at XXXX XXXX XXXX XXXX, XXXX XXXX, South Dakota, XXXX for a possible line of credit. I applied for the credit card and was approved on XX/XX/XXXX. This card was secured with Wells Fargo Financial having a secured interest in my home. The following year, I was unemployed and filed for Chapter XXXX bankruptcy in XX/XX/XXXX. I listed the credit card as a part of the bankruptcy and assumed it would be discharged with the rest of my debt. In XX/XX/XXXX, the bankruptcy was discharged and I have since moved on thinking that this credit card was a part of the discharge. I am currently in the process of trying to refinance my mortgage with a different financial institution and have qualified and been approved for the refinance. Upon review with the title company, it was discovered that this credit card debt was showing up as a interest in my property and the title company is refusing to remove this item even though I submitted the bankruptcy discharge information. After learning of the situation, I contacted my bankruptcy attorney on XX/XX/XXXX to determine what can be done about this. I learned from the attorney that because of the secured interest in my home, there is nothing that they could do, however, I was informed that other clients in similar situations with the same credit card have been able to get a release/settlement due to fraudulent practices demonstrated by Wells Fargo. Upon my research on the internet, I was able to find the XX/XX/XXXX class action lawsuit against Wells Fargo in the state of New York where they settled with credit card consumers for {$4.00} XXXX dollars. They were in violation of policy violations, which put consumers ' home at risk. Wells Fargo Financial Credit Services of New York, a Wells Fargo affiliate, acquired XXXX Home Equity Lines of Credit through which they offered a secured credit card called the XXXX XXXX Platinum, which I had. This allowed consumers to secure their credit card purchases using interest on their home loans -- a practice that is not permissible under the law in the state of New York. There is evidence that on top of the illegal practices it in engaged in, Wells Fargo altered and falsified income documents, in order to qualify borrowers for loans that would otherwise be denied. On XX/XX/XXXX, I filed a formal complaint against Wells Fargo with the Office of Minnesota Attorney General XXXX XXXX 's office. 

The Attorney General 's office has also contacted Wells Fargo on my behalf and has requested written response from them regarding my claims. As of XX/XX/XXXX, I also filed a complaint with the Office of the Comptroller of the Currency.

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 2020-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Bank of America closed two Credit cards that I had with them and despite the mistake, they made they are not willing to reopen the account. 

Bank of America asked for my residency documents. I called BOA first to make sure what is the best way to provide the document I've been advised by the associate to go to a local branch. I went to XXXX XXXX, XXXX, MA branch of Bank of America and Provided my green card as well as driving license ID ( XX/XX/2020 ). The associate copied the documents and typed in the information in their system and said I am all set. 

Later on, when I logged into my online account I got a pop-up message that I need to upload the documents. I called BOA again to figure out what is happening. I've been told that the information regarding my residency documents is in their system and I am all set and I should ignore the pop-up message. 

On XX/XX/XXXX I realized that my checking accounts are frozen and credit cards are both closed. I went to the XXXX, MA branch of BOA and they said because it's the bank associate 's mistake they would file a complaint and will escalate this and will solve it. 

They gave ma a Case number XXXX. I went there back on XX/XX/XXXX and they said they are not able to reopen the account for the mistake that they did. 

This is going to negatively affect my credit score and wasted my time.

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 2015-06-23
Company: Northern Alliance Management, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
The caller threatened wage garnishment for a criminal complaint and said this was the final notice. I do have never had any criminal proceedings nor do I have a criminal record. The caller stated his name was XXXX XXXX from NAM Associates at XXXX. I was unable to find any information on this person and the NAM Associates I was able to find is in XXXX, NY and a forecasting agency with a phone number listed in XXXX.

Company response to consumer: Closed
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: LA
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, XXXX XXXX XXXX XXXX of XXXX, have been impacted by the XXXX  Data Breach ; as a result, I have been a victim of identity theft. After reviewing my credit report, I noticed several inquiries that are not mine, and I have no knowledge of these inquires. I have no account with the companies listed. I have provided my FTC report for accuracy ; please review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: Genesis FS Card Services, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX sent my account to collections. After failing to reach a live agent with them, I reached out to the new creditor, XXXX. I was told that in order to get XXXX removed from my account Id have to pay them ( XXXX ). Since XXXX was the newest debt between the XXXX, I decided to pay XXXX and disputed XXXX. Now XXXX has been removed from my all my credit reports and XXXX is still showing as a delinquent account even though I attempted to pay through them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: Experian Information Solutions Inc.
State: IN
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:
On XX/XX/2022 I paid XXXX  {$330.00} to clear up my past due account. Prior to this, they reported to all three credit bureaus the amount of {$250.00}. I received the standard your loan has been paid off email and offer to reapply. Now, on my Experian report it states the status of paid. Closed. {$250.00} Charged off and then again stating the balance of {$430.00}. It shows incorrectly on XXXX and XXXX as well! After emailing to request the account officially be closed ( email is the only way to speak with these people ), I was first informed that it would be processed but then was told that Id have to wait 6 months!

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 2016-01-03
Company: CU Recovery, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Approximately XXXX or 5 months ago, I received a call from CU Recovery Inc and they tried tricking me to reset statute of limitations. I advised them that I did not recall this debt because it was from on or about XXXX. I advised them verbally to cease and desist all future contact with me by phone calls to myself, friends, family and employer and as well postal mail. I made it clear that I consider it harassment and it will not be tolerated. They acknowledged my request and we mutually hung up the phone. About a few weeks to a month later, they called me again! I advised them that it is harassment and I do not want to speak to them again, that time I hung up the phone in anger. Well today I received a letter of collection dated XXXX XXXX, XXXX. The letter states I have XXXX payment options. I have attached a picture of the debt letter they sent me. It 's in reference to account # XXXX in the amount of {$7200.00}. I do not know where this amount came from and the letter does not illustrate DOFD ( date of first default ) and there are no other identifying information illustrated on the letter. I feel as if I 'm being taken advantage of, or that I might be becoming a victim of some sort to CU Recovery Inc. From the initial phone call from over the summer of XXXX, I advised them per the FDCPA that in other cases of case law, courts have allowed a verbal cease order to stand and that is what I advised CU Recovery Inc . They have ignored said request and they need to be stopped. If they are taking the law into their own hands for me, then what are they doing to other consumers? Please help me, I do not appreciate being harassed. Thank you CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-03
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I submitted a claim concerning our existing checking account under the requirements surrounding the Wells Fargo Unauthorized Accounts Settlement in XX/XX/XXXX (? ). 

In XX/XX/XXXXI received a 'ACTION REQUEST ' form/S4. Name, Last 5 SS #, DOB and  signature. 

Obviously more than a year has passed. The 800 # and web site contains the information that the lawsuit is under review. I have been patient. 

Due to the most recent news coverage, is it reasonable to EXPECT a response, one way or another, in lieu of the RETURN of the S4 form?

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 2020-03-03
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
All 3 credit bureaus are reporting incorrect personal information on my credit files. I need the credit bureaus to report the following on the personal information section. The following information is what is supposed to be reporting. 

Name : XXXX XXXX XXXX XXXX report name as reported on my DL and SS Card ) No other names or sub-names are to be reported Address : XXXX XXXX XXXX, XXXX XXXX, CO XXXX ( nothing more, no abbreviations ) Employment : XXXX XXXX All other address, name and employment information that is being reported that is not as listed above is to be removed. 

Also any " Personal Statements '' that I may have added in the past and are being reported are requested to be removed. I am not requesting any personal statements on my credit reports at this time. 

I have written you several times to correct this and you have failed to acknowledge and to correct which is why I am now submitting this complaint with the CFPB. 

No other requests are being made at this time.

Company response to consumer: Closed with explanation