BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am submitting a complaint regarding the inaccessibility to banking needs due to the closure of many Bank of America branch locations throughout Rhode Island and Connecticut. 

Since the beginning of the implementation of COVID-19 precautions, Bank of America ( BoA ) decided they needed to protect their employees by closing many branch locations. Not only is there no access to bank tellers inside their locations, but the drive-through tellers are closed, as well as many ATM machines! This is nonsense, and beyond inconvenient, as all other banks in these areas are open for business. 

I have contacted BoA representatives several times over the past month to register my displeasure with the inconvenience that it has caused me, other customers and business owners to have to utilize the ATM machines of other banks, to have some access to our accounts. BoA representatives have been empathetic to my complaints, but NOTHING has changed regarding reopening of local branches. In addition, BoA representatives have encouraged me to utilize their branch locator tool online, and have suggested that I must travel more than 20 miles to other towns or states to access a BoA ATM machine. 

The information on the BoA website locator tool is completely inaccurate, and when I traveled to another state to a branch that was advertised as having drive-through tellers available until XXXX XXXX, I discovered a huge sign that said that branch was no longer open! 

In addition to the inconvenience of having to utilize the ATM machines of other banks ( and, therefore, be subject to their cash limits and fees ), BoA has decided it is appropriate to charge customers a fee for using the ATM machine of another bank, when their ATM machines are inaccessible! 

Last week, I registered a complaint with the Office of the Comptroller of the Currency regarding the inaccessibility of banking with BoA, when all of the other banks in my area are open for business and practicing appropriate COVID-19 protocols. On XX/XX/XXXX, I received an email response from " Enterprise Resolution '' at BoA acknowledging my complaint, and indicating that the email sender would be my, " point of contact until this matter is resolved. '' In actuality, the sender identified himself as representing a debt collector. I do not take satisfaction in receiving an email message from a debt collector as someone who is capable of addressing my concerns. Why didn't I receive a response from a member of the BoA Regulatory Complaints team who has nothing to do with debt collection? 

I would appreciate a rapid resolution to the ridiculous closure of BoA branch locations, in the name of COVID-19. For such a large institution to behave this way is reprehensible and unjust.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XXXX XXXX, Im being charged an NSF Fee being for less than {$5.00}

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 explanation
Consumer complaint received 2020-08-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for an HSBC premier checking account in XXXX in order to get the advertised 3 % bonus on my direct deposits for up to 120 $ a month. In the terms and conditions at the time I did not see anything about there being a XXXX $ monthly deposit requirement in order to receive the bonus. I even called in to double check the requirements and the rep on the phone never mentioned the XXXX $ / month requirement. 

I think this offer is extremely deceiving because if you do the math ... 

You have to deposit XXXX / mo to get the bonus You can only get MAX XXXX / mo bonus XXXX = 2.4 % bonus NOT the advertised 3 % This is false advertisement plain and simple. The XXXX $ requirement was not listed on the offer when I signed up. Furthermore I never got a letter or any email confirming the terms and conditions. 

3 % of XXXX ( which is what I've been depositing ) is XXXX $ a month. The way this offer is set up is deceptive plain and simple. 

Please call me to discuss this issue Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: BWW Law Group, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
BWW LAW GROUP, LLC ATTORNEYS AT LAW A DEBT COLLECTOR IN VIOLATION OF FDCPA AND IN FEDERAL VIOLATION AGAINST ME AND MY RIGHTS. THEY ARE THE BIGGEST SCAM!!!! 

I HAVE ASKED FOR A TRIAL BY JURY FOR THE ALLEGED CLAIMS OF THE DEBT THEY CLAIM TO OWE WHICH THEY DO NOT. ALL THEY DO IS HARASS FILE FICTITIOUS PAPERWORK ACTING AS ATTORNEYS AND DEBT COLLECTORS AND ASSIGNING PAPERWORK BUT WHEN I RESPOND THEY IGNORE AND VIOLATE ME. I DEMAND A TRIAL AND I PLAN ON SUIING IN XXXX XXXX COURT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Better Mortgage, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Ive asked multiple times to not be contacted by Better Mortgage. The send multiple emails with no opt out, text messages when not opting in and do not stop contacting after multiple requests. Annoying but also a UDAPP violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Never received a notice which in 45 days per the credit card act of XXXX. Account closed reasons stated : inactivity, current or past delinquency, derogatory public record and/or collection accounts. Received email account closed XX/XX/XXXX and received letter explaining XX/XX/XXXX dated XX/XX/XXXX. Last activity was paid in full XX/XX/XXXX. And I believe negative ( false ) reporting from Bank of America will have negative affect on credit report.

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 2022-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-01-22
Company: EQUIFAX, INC.
State: GA
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:
Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have reviewed my credit report and found the following inaccurate information and unknown accounts are still reporting under my credit report, I am listing the following inaccurate accounts in order for you to DELETE from my Credit Report. 
DELETE - XXXX XXXX  per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE -XXXX  XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE -XXXX  XXXX  per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX XXXX  per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX  per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX per Section 533 ( c ) ( codified at 50 USC 3953 )

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 2022-01-28
Company: Support Collectors, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Vehicle Loan was a for new vehicle, started loan payments in XXXX, car was involved in accident. The insurance company totaled the vehicle out, a check was made in XXXX XXXX from insurance to bank, bank has since yet to cash check. Check has been sitting in bank since it was issued. Bank gave me no reason as to why check was rejected or not cashed, it is 3 months later now, still no results. The bank is threatening me of reporting to credit agency of delinquency, yet they still have not acted on this manner. I have gap insurance for any shortages but that won't be initiated until the check clears. I am receiving calls and was told that I would continually get calls until matter is rectified.

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 2020-01-08
Company: APEX Asset Management, LLC
State: NJ
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:
Apex Asset Management sent an improper balance bill to the consumer after the claim was referred to them by XXXX XXXX. XXXX XXXX agree prior to the service as to the allowable charge and then balance billed the consumer. Apex initiated collection actions for the balance and proceeded to report the balance as unpaid, without responding as required under the FDCPA, during the period when credit reporting was barred by the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had a debt owed to XXXX XXXX of about {$8400.00} and separate debt another of over XXXX. The XXXX dollar debt was paid off in XXXX and was for a truck loan. This payment was not authorized, and I was not even so much as given a receipt. They are responsible in this case because they lost the title to my truck XXXX they still dont know what happened XXXX and then because I wasnt able to retitle it in a different state they raised my APR by a crazy amount. This is all after I had refinanced the truck with them. They closed the account without talking to me and on my credit report says they settled for less than the full amount which adversely affects my credit score. The XXXX was the remaining credit card debt to be paid. I never talked to anybody about being able to set up payments and before I could talk to anybody about making arrangements the money was taken out of my account without authorization. Obviously they said the bank has authorization after I signed for the card and that they can do basically whatever they want. Every time I call for answers I am bullied around by the collections workers and treated very unfairly, and have even been hung up on when they couldnt get answers. If I had paid off a larger debt to them just a few weeks prior to the pandemic, then I should have the opportunity to set up payments before I am left penniless by the bank. There was no warning that the money would be taken out. Navy federal credit union has a huge history of wrongfully collecting debts and bullying customers. A few years ago they were ordered by the courts to pay back tens of millions to families that were robbed and bullied by this institution. I find myself in this very situation that left so many families struggling not able to support themselves. The handling of collections by Navy Federal is disgusting and continues to destroy lives of the people that took years to build up these savings. I believe that I have been wronged in this collections process without an opportunity to make payment arrangements. Especially in times when everything is so uncertain it is an extremely authoritarian and unethical method to reach into someones account and take everything they have. Now they have effectively ruined my credit by processing these funds in the manner that they have, giving me no options and effectively leaving me with XXXX dollars. Its also worth mentioning that the money taken from the account was federal XXXX payments needed for treatments and to get help that I very much need. I hope that my situation can shed light on the corruption that still happens at their institution behind closed doors. It hasnt stopped after the lawsuits, they just found more loopholes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XX/XX/XXXX I was involved in Chapter XXXX  Bankruptcy which required a notice of bankruptcy to be provided to all existing creditors. Upon dissemination of the notice some creditors took immediate action and closed my existing account. Since the bankruptcy involved a commercial loan and not my personal credit or loans I had every intention to pay any existing obligation as agreed. On the store card in question with XXXX  there was no existing balance and I continued to use the card and pay any existing balance on the statement. The Bankruptcy was closed in XX/XX/XXXX and a schedule to pay the commercial lender was established and all other existing creditors were reaffirmed and paid as agreed including XXXX. In XX/XX/XXXX XXXX   arbitrarily closed my account due my bankruptcy which was closed since XX/XX/XXXX. This action has become to sole reason for rejection of my credit application with XXXX XXXX XXXX, stating that XXXX XXXX  action has started the bankruptcy clock all over again so instead of being over 48 months since the close of the bankruptcy I am less than year per XXXX XXXX XXXX 's policy. I owe no money to XXXX I was never late with any payment to XXXX. If XXXX  wished to close my account or report in in bankruptcy they need to report while the bankruptcy was open not after it has been closed for 4 yrs. This action adversely effecting my ability to obtain credit. It is a violation of the bankruptcy code for any party to report/take adverse action after the bankruptcy is closed. This action by XXXX   is unfair and is the direct cause of creating an unfair and harmful financial decision by a third party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-12
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My bank, TD Bank, keeps holding my paychecks until the end of the next business day and charging me {$35.00} for any debit to my account that is n't covered because they are holding my check. For example, this past week, I deposited my paycheck of {$2300.00} on Saturday, and it cleared and was credited on Monday, making my balance {$2700.00}. My rent check for {$1000.00} also hit the bank and cleared on Monday, as did a loan payment of {$300.00} to my mother. However, the bank charged me {$70.00} - XXXX overdraft charges of {$35.00} each - saying the rent and loan payments hit the bank before the paycheck was credited. I believe this is illegal, or at the very least, dishonest and predatory. I would like them to credit me with the {$70.00} - and with the {$35.00} they charged me last pay period for the same nonsense - and stop doing this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-21
Company: GREAT LAKES
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I graduated in XXXX 2014 from the University XXXX after living in XXXX for 20 years, and then relocated XXXX in XXXX 2014. I updated all of my address changes, but never received any communication from my student loan debtors until yesterday when I received a phone call from a collection agency demanding payment. They want me to make XXXX monthly payments in order to get my loan out of default. I had NO idea I was in default and feel I have done due diligence in making a good faith effort to remain in compliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions 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:
1. XXXXXXXX XXXX  ac # } XXXX { Reason for Dispute } THIS ACCOUNT IS NOT MINE. I HAVE NEVER SIGNED APPLICATION OR OBTAINED Credit. This has been Removed before and now it's been added Again

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 2015-08-24
Company: Ditech Financial LLC
State: IL
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
Loan was originally taken out in XX/XX/XXXX through XXXX XXXX for {$8000.00}. XXXX was taken over by Greentree. They hold title to XX/XX/XXXX XXXX XXXX. I have been making payments on this loan for 11 years & the balance is still {$7100.00}. I have missed payments along the way due to unemployment & health issues. 
I believe they are charging me interest on interest, have tried several times to come to an agreement with them & they refuse. Have told them they can come get the car, they say they do n't want it. I feel this loan has been more than paid for. My only recourse at this point is to file bankruptcy as I ca n't continue to make payments on this loan. I 've also considered seeking an attorney to see if there is any legal recourse I can take against the company. I feel Greentree has unscrupulous loan practices. They have made XXXX of dollars off this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
This relates to Target Credit. As stated above our house burned and I do not havve my records but, Target should because we dealt with only XXXX man. The issue was over XXXX fraudulent charged to our Target Card.and was resolved with the removal of the XXXX and we paid account as agreed. The XXXX Credit report shows the matter under " Adverse Accounts '' but I can not understand what was reported but, the settlement was not. Then XXXX reported that a company called " XXXX XXXX was reporting a collection matter with XXXX Target XXXX with an amount of {$3000.00} but, we have never talked or had any communication with this company. The {$3000.00} was the fraud amount that Target said was charged off. There is no address or phone for this company. I think Target should do what they ageed to to and remove this from my Credit Report. It is unfortunate that the fire and burning of our house on XX/XX/2015 took all my records. I am complaining about the difference of the XXXX reports and the information contained in the reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am paying for my online credit report thru Transunion and have so for over 2 years now. My online report should show a credit score of at least XXXX by this time.. All accounts are paid for and I have never been late on a payment. I APPLIED for credit and was rejected based on my score ... Online report that I 'm paying for shows XXXX ... They tell the person I am trying to get credit with is a XXXX. Why am I paying for this if its wrong? This is a scam..I want my score to be where it belongs.. back at XXXX..And report it that way..I am paying for something I am not getting!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief