BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-02
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I believe I am being asked for irrelevant information from my bank when I applied for a {$25000.00} loan for a {$75000.00} property. This has been three weeks of asking for sometimes duplicate information or impossible information. For example, my mailing address is different from my street address and they need 'proof ' of that. I told them it is a gated community and EVERYONE has a box within the community mailroom but they 're insisting that my mailing address is actually a property. I have no proof but that ca n't possibly be a unique situation. I also have a annuity that they 're asking for a three year continuance award letter. There is n't any because I could simply take it all out one day ; it 's an annuity. No guarantees. I do n't know if they do n't know what they 're doing, but every day they 're asking for some other 'proof ' of something. I signed a form to give them permission to get a copy of my tax records three weeks ago and yesterday they just asked me for a copy of my tax returns for XXXX and XXXX. It just goes on and on. They should have given me a list of what they needed, but instead, different people contact me for different things. We have an excellent credit record and assets to more than cover the loan, I feel as if I 'm being harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
have a personal loan with TD Bank terms are five yrs I can not get a print out of my payments have extreme difficulty when I request it told since it is an automatic deduction each month there is no print out for me to see. Absurd I willnot go paperless there is enough identity theft as is.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: Kingston Financial, LLC
State: MD
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 received a collection document from XXXX XXXX XXXX regarding a deliquent debt with XXXX XXXX XXXX. I currently hold good standing accounts with XXXX XXXX XXXX. XXXX XXXX XXXX has confirmed with their debt recovery unit that I have no delinquent debt. The account which is listed on the document has been confirmed with XXXX XXXX XXXX as not being any that I 've ever held with them. 

I 've requested proof of the original debt from the personnel at XXXX XXXX XXXX and was told it would take 30 - 45 days. I 've been threatened with action being taken in 2 weeks. The current owner of the debt is Pyramid Aquisitions. According to the information I 've received from XXXX, the account is as old as 2006. 

This sounds fraudulent or like a phishing scam. Please investigate and let me know what action I can take. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: REGIONS FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Regions Bank granted a {$500.00} line of credit loan to me in which I defaulted on. In XXXX XXXX, {$79.00} was withdrawn from my checking account without my authorization to be applied to the balance owed. XXXX XXXX, XXXX, {$150.00} was taken from the checking account again without my authorization and the line of credit was showing active but I was not allowed to withdraw any money from it. This amount caused an overdraft in the account and the my car insurance premium was cancelled for non payment due to the unauthorized amount coming out of the account, attempts to reach the debt collector was futile XXXX XXXX. XXXX {$130.00} was taken out of the account without authorization, XXXX {$100.00}, was taken out without authorization, and XXXX XXXX, XXXX XXXX was taken out of the account without authorization. I called the debt collector XXXX XXXX, XXXX and spoke with an agent to question why I have paid {$670.00} on a debt of {$500.00} and can not see the activity history to explain to me why I am paying more than what 's owed if the account is closed. The agent stated that technically the account is not closed and to use a different word to describe the status of the account. His explanation of the status is that it is still active, I just do n't have access to withdraw any funds from it and it still shows active with a {$500.00} credit limit with no available balance and I still owe {$220.00}. I asked him for what, he stated for late fees and interest. I asked him why I was prevented from seeing the payment activity history online when viewing the account, I had to use the checking account statements to see the amounts taken out of the account but no statements from the debt collector to show the payment history neither in writing nor online. When I accessed the online checking account and clicked on the account for the line of credit, it only shows the amount owed, does not show an activity history. The agent advised me to pay the {$220.00} to clear the account and I stated to him that he has not sufficiently explained to me why I still owe anything as they have not sent me a statement. There has been no statement to show how they 've determined that I owed XXXX, that amount never showed on the online line of credit account, just the {$500.00} credit limit and balances once the debt collector withdrew the money out of the account without my authorization.

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 2022-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Ref : Bank of America - Home Loan number : XXXX Bank of America - Escrow Account Number : XXXX To Whom it May Concern, XXXX XXXX is XXXX XXXX of age and has been a customer of Bank of America for over 40+ years. 
I am XXXX neighbor and dear friend and I happen to work in the Financial Industry. 
For the past two years XXXX has kept me informed of the challenges that he was having and I could see how taxing this was on his health. He has spent, ( countless hours on the phone and at the branches ), imploring, that something was wrong with his mortgage, he has never been late on a mortgage payment in his life. ( See attached XXXX spreadsheet ), of the attempts to fix this issue with Bank of America. 

In XX/XX/XXXX XXXX received a real estate loan in the amount of {$220000.00} to purchase a property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Prior to his loan closing he opened an escrow account with Bank of America to make his Principal, Interest, Taxes, and Insurance payments monthly. This escrow account was funded from a XXXX XXXX account # XXXX. In XX/XX/XXXX they set up for an ACH debit from their XXXX Account to the BofA escrow account monthly, ( see attached statements ). 
When they received the XX/XX/XXXX mortgage statement, he noticed that the mortgage payment was not made for the month of XX/XX/XXXX but the XXXX ACH debit went through to Bank of America Escrow Account, they assumed it crossed electronically. 
On XX/XX/XXXX they received a letter from BofA Home Loan Account that they were delinquent. This is where the nightmare begins, ( See XXXX Spreadsheet ), outlining all of the phone calls, letters, in person visits, to no avail. BofA confirmed that it was their mistake and this would not impact XXXX credit. I told them to pull his credit immediately and yes it showed in arrears 30, 60, 90 days delinquent on their mortgage. His credit score plummeted to XXXX via XXXX. 

At this point at the end of XXXX, throughout XXXX and XXXX, they continuously show delinquent on their mortgage payment. Their cries for help have fallen to no avail. 

Please call my Partner who is on the deed of trust XXXX XXXX at XXXX Attachments : 1 ) XXXX Spreadsheet showing continual contact and case numbers from Bank of America 2 ) Bank of America Mortgage Statements by month 3 ) XXXX Statements showing ACH debits to credit BofA Escrow.

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 2017-04-06
Company: 1ST ALLIANCE LENDING, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
First Alliance Lending lost my XXXX and XXXX State and Federal Tax returns, including all XXXX. 
After prequalification, I was instructed to provide both years to First Alliance, and I delivered them in person to have them scanned which would be returned to me " shortly. '' This was XX/XX/XXXX, and my mortgage was finally closed on XX/XX/XXXX. During those four months of negotiations and preparations for closing, I requested that the returns be sent back on a weekly basis. I still have n't received them, and they are unwilling to help me further. Now that I 've moved out of state, I am having immense trouble getting tax help from professionals since my XXXX and XXXX returns were lost. First Alliance lending has been unhelpful and essentially told me " too bad. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX was paid in full at least 5 years ago. It was my understanding that the account had been closed. Now I am being billed by a debt collector for overdue charges on what? I do n't even have the credit card nor have used it for the past 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, After multiple attempts to request documentation on a debt for verification, and after providing a receipt for payment from XXXX, Plus Four Collections account for {$100.00} was removed from XXXX consumer reports due to non verification according to XXXX On XXXX/XXXX/XXXX I was contacted by XXXX advising me that Plus Four, INC. increased the amount by XXXX dollars to {$100.00} XXXX and again began to collect and harass me via multiple message telephone calls, including some after XXXX, for a debt that they had failed to verify, as well as had proof of payment directly to the medical office.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Comerica
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I have had some fraudulent issues on my direct express card. I have filed disputes and they claim no error am has occurred. For orders returned and not refunded they still claim no error has occurred. They have claimed I did n't send paper work. But a dispute rep has read off what I put on the the dispute forms. They are refusing helping me get my money back. It is n't a few dollars. This is over XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Security Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I happened to get a call from this debt collector name security credit which I have never signed a contract with them. I also never gave them or the consumer reporting agency written permission to post this information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: SUNTRUST BANKS, INC.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
Suntrust Bank has been repeatedly contacted in regard to unauthorized credit card charges and not only continues to refuse to remove the charges but is adding on late charges and destroying credit!

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 2017-04-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My home was sold and closed via wired payment on XX/XX/2014. However, XXXX of XXXX of the lenders that held my mortgage are currently reporting it as active, and open. Please assist! I have attempted repeatedly twice in 2 years to clear this with dispute and phone call and it is still on my credit reports- XXXX , and Experian. I was trying to get preapproved for a home loan and they made me aware it is still open. 
When I contacted XXXX, I spoke with Agent XXXX # XXXX. She also informed me she could see on their database that the loan showed closed, however she refused to per our request send an manual report- XXXX to correct immediately. Instead, she directed me to submit a complaint for investigation to their email- XXXX, she also took my name, number, and loan # for her manager XXXX to contact me. I am still waiting for that call to correct this issue directly through them. I have attached all information, and I thank you for your help in advance.

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 2022-02-01
Company: Experian Information Solutions Inc.
State: CA
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 am trying to dispute a credit card that was opened up in my name using my personal information without my consent from XXXX XXXX XXXX of XXXX XXXX on XX/XX/2022. My disputes have all been verified as accurate even after submitting an email from the selling manager of XXXX XXXX XXXX stating they submitted they application on me behalf without my consent. After contacting the dealership, I was told that I needed to close my account with the bank, submit the email from XXXX Selling Manager with my dispute, and then XXXX would rectify my account to reflect and delete the inquiry from my report. Now it shows I have closed the account and XXXX is and Experian are not approving the dispute, resulting in the open on the XXXX Signature Visa still appearing on my credit report- this is impacting my ability to apply elsewhere and impacting my score as well as causing financial burden and physical and emotional stress. I need this removed now.

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 2022-02-01
Company: EQUIFAX, INC.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: URS Holding, LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Collector called multiple times at my work office stating that I owe a debt which does not have the correct name nor address. Collector can not prove that I own the debt and can not verify any of the information which can be linked back to me.

Company response to consumer: Closed
Consumer complaint received 2016-07-08
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My, name needs to be added by Equifax to the : XXXX Equifax Information Services LLC, Settlement Administrator. 

According to Equifax I am a part of the lawsuit but my name has not been given to the settlement administrator.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: Lending Club Corp
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I try to apply for my installment loan from lending club I may be discrimination bcause of my race I be able to pay XXXX every months on my credit cards and why I only borrow XXXX and I am not qualify. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: AES/PHEAA
State: NE
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The past 11 years have been filled with attempts by me to make the American Education Services aware they have a loan on file with my name and information attached that I did not sign for or agree to. I have spent 100s of hours on the phone, written letters, filed a fraud packet and still continue to have my credit with only XXXX negative mark on my report and that is AES. The was originally through XXXX XXXX XXXX. I believe they took my information from a loan application, changed the terms on the promissory note and pushed it through. I believe they then sold the loan to collect on it and AES is servicing the loan for National Collegiate Trust. I have been patient but I can no longer take the harassing phone calls, emails, letters and reports they continue to pump out in an attempt to extort money from me. I have done everything possible to make them aware of the fraudulent activity on the loan but they refuse reasonable actions. I have filed complaints with the office of the governor for the states of XXXX and XXXX. I have also contacted the AG in each state and at the federal level. I am a teacher with limited income so hiring a lawyer is not possible. I have paid every debt I 've been attached to without fail. I have worked extremely hard to keep my file clean. I will not give in to extortion under any terms. Can you please assist in correcting this matter. I do hope you will take this statement seriously and assist in an earnest fashion. I have XXXX XXXX and XXXX XXXX so I am not ignorant about the way things work. I also grew up in XXXX and I know a scam when I see one. XXXX XXXX XXXX should be investigated for the way they handled student loans the same way they did with mortagages. AES should be investigated for ignoring client attempts to resolve the matter. National Collegiate Trust should be investigated for hiding behind AES and refusing to accept the claims of fraud I have pushed through on the loan and for failing to proved contact information as a loan owner. I have tried to locate NCT but can not find who they are or how they can be reached. PHEAA should be looked in to for ignoring complaints on a reagular basis and showing favoritism to lenders over citizens. I am extremely disappointed over the way all parties involve can push lillegal activity and never be held accountable. Their policies are in place to gain the greatest amount of money and hold attached parties in a slavery position with no remorse. All the documentation you need is in the files of AES. XXXX. NCT and first marble head.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. These accounts are inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedback about these concerns. Please investigate and remove them from my personal credit file. Thank you. 

CAPITAL ONE AUTO FINAN XXXX Balance {$0.00} ; CAPITAL ONE BANK USA N XXXX Balance {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Paypal Holdings, Inc
State: PA
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:
As a victim to identity theft attached paperwork that was effected by my primary physicians office and victim of credit wise identity theft after proven these paperwork stoll have these inquiries from all these seven companies stated above and need this based on Law 15 us code 1681c-2 a consumer reporting agency shall block the report of any information on the file of a consumer that the consumer identifies as information that results from an alleged identity theft no later than 4 business days after the date of receipt. If has been 30days ans you are in violation of the law because I am a victim of identity theft!!! Please delete these items as soon as possible! These accounta should not be furnished on my consumer report as they are in violation!!! Under 15 us code 1681b permissible purposes of consumer reports ( A ) in general subject to subsection of any consumer reporting agency may furnish A consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN Institution of the consumer to whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violets my rights as a federal protected consumer. No consent is identity theft. As a consumer I Am demanding the deletion of these accounts listed IMMEDIATELY. Accounts as follows : XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation