BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
The IRS sent my XXXX Income Tax Refund to my account ( correct account numbers have repeatedly been verified with both the IRS and Bank of America ) with Bank of America via Electronic Direct Deposit in XXXX of XXXX. The IRS has steadily stated throughout their investigation until the end that Bank of America has misplaced my Income Tax Refund. I have encountered several rude and disinterested Bank of America Customer Service Representatives and Managers that have continuously stated that the IRS had never sent the refund, there is nothing further that Bank of America can do about it and that I need to contact the IRS. Other representatives of Bank of America just did not follow through and/or they claimed that their hands were tied. Today in XXXX XXXX, Bank of America still refuses to investigate past what can be seen in front of them on a computer screen, will not escalate my complaint higher up the ladder until issue is resolved and continues to point the finger at the IRS. Bank of America seems to have a lack of communication connection throughout their institution. I have experienced this fact in several instances through this bad situation. My Direct Deposited Income Tax Refunds in the past have always entered my account on the date that the IRS has stated. I have been a customer of Bank of America for many years but I was treated as if I were nobody to them. My Income Tax Refund may be pennies and nothing to Bank of America but it was gold to me, I depended on that money and this has created a negative downward spiral effect in my life and Bank of America has proved that they could care less.

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 2017-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The TRANSUNION credit bureau is listing a public record for a judgment that is not valid. I 've requested them to investigate the validity and they are lying saying that they are going to confirm its validity. I 've just received a letter from the  XXXX  County Supreme Court Stating they do not nor ever reply or verify or validate any information with the Credit Bureaus. I 've also Put a FREEZE on  XXXX  information so Transunion is lying and we want it removed 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 explanation
Consumer complaint received 2015-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am with Bank of America now I was charged XXXX times for XXXX items that were okBut not XXXX extra times XXXX is legit but XXXX are notI was charged a overdraft fee when I was n't overdrawnThis is not the XXXX time they have tried to do this I catch themEach time now they do n't want to change what they did wrongAnd the posting of items is false

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-08
Company: Dovenmuehle Mortgage, Inc.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My original loan through XXXX XXXX- I can't gain online access to understand what the payoff information is and when I'm calling I'm transferred to a different phone number for collections. That company 's name is DOVENMUEHLE. Every time I'm transferred I wait on the phone for over an hour and a half. I asked over 10 days ago for my payoff amount because I want to pay off the mortgage and fall and pay off any annuities or legal fees prior to it going into foreclosure. In XXXX and XXXX there were presidential master of natural disasters for a flood and a hurricane in the area and then in XXXX in XXXX there was Covid. I have also asked for a loan modification or just assistance to avoid foreclosure and there's no phone number that you can call you have to call the XXXX XXXX number be transferred over wait an hour and a half and then they give you an email address to send your request into there's no accountability here and nobody returns the phone calls and nobody returns the email and they just argue with you when you're on the phone. You feel helpless how am I supposed to pay this in fall I have been trying for weeks now and I can't even get the payoff information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
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:
On XX/XX/XXXX, I submitted an online credit card dispute to the credit reporting agency, Equifax. 

Equifax is erroneously listing an account from XXXX XXXX/XXXX on my credit report from XXXX. 

According to Equifax, my last payment to the above XXXX XXXX/XXXX revolving credit account was on XXXX of XXXX. HOWEVER, the account wasn't charged off by XXXX/XXXX  until XXXX of XXXX. 

From my understanding, credit card companies are supposed to " charge off '' accounts 180 days after the last payment. According to these records, XXXX didn't " charge off '' my account for nearly 1704 days after my last payment ( i.e., last payment of XX/XX/XXXX, to a " charge off '' date of XX/XX/XXXX ). 

I disputed this with Equifax, stating that the timeline is incorrect, and that the negative item on my report should be removed ; as none of the other two agencies have it listed on their reports. Equifax DID NOT remove the information, and reported the information as accurate.

Making matters worse, all of this information is readily available in the " dispute results '' provided to me by Equifax, i.e, specifically the timeline and my assertion that it should be removed as XXXX/XXXX can't charge off an account 5 years after the fact. 

And last, I attached the " dispute results '' from Equifax below. In them, it shows that the " date of last payment '' was XX/XX/XXXX ( found near the top of report ), yet the account wasn't " charged off '' until XXXX of XXXX by XXXX/XXXX  ( found near the bottom of the report ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I am on an income based repayment plan. It seems within the last year my loans have skyrocketed $ XXXX making my total debt $ XXXX. After checking my credit report on XXXX/XXXX/2017 the loan balance has went up by roughly {$500.00}. The interest on my loans are absolutely absurd and it makes it impossible to pay back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Cash advance fee

Complaint:
I did a wire transfer from my credit card. 
The debit entry on my card read as purchase and i have 0 % on purchase till XX/XX/2016. 
The card company chase charged me transaction fee on that purchase. 
the company should have declined the transaction that i would know they would be charging me charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized to be placed on my consumer credit file. My privacy rights have been violated. There are variation of account numbers and incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX, XXXX and TransUnion all three agencies have had data breaches. I have disputed with all the three major credit reporting agencies only to be denied. On XX/XX/2022 my credit score plummeted over 100 points. This company XXXX has been on my consumer account with these inaccuracies. It has cost me a great deal of grief, money, time and stress. It has affected my health, credit score has decreased, for years I have been denied credit, denied employment, denied housing opportunities and loans

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 2022-09-01
Company: EQUIFAX, 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:
My personal information was stolen in XXXX of XXXX  since then I've been seeing a lot of unauthorized inquiries and accounts from Equifax credit profile. I've attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized inquires have been found on my credit report please investigate and Remove all inaccurate inquires I have listed immediately, the following includes : XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX XXXX : XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/2022 XXXX - XXXX XXXX : XX/XX/2022 XXXX - XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX : XXXX XXXX, XXXX XXXX - XXXX XXXX  : XXXX XXXX, XXXX XXXX : XX/XX/2022 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 an account without my hand written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Two payments were taken out of my account when only one should have been. This put me in a bind. I called in in order to try and get a refund for the extra payment and I was told that it takes 3-5 business days in order for this to be processed and also the funds mailed paper check to my address. I advised the representative to check and see if there was a faster way for the funds to get returned to me and they were not willing to find out. I waited on hold for 40 minutes when I requested to speak to a supervisor. Then the representative returned and told me no supervisor was available and they would transfer me to their voicemail. I asked for the supervisors contact info so I can follow up as this is urgent and I was denied the request.I am reaching out as I need help. I am also going to file a complaint because the way the call was handled was not great customer service at all. Transaction  were XX/XX/XXXX for $XXXX and $XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: NC
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  Account XXXX XXXX XXXX acct # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 non-monetary relief
Consumer complaint received 2018-01-12
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Tried setting up a gemini wallet, was automatically blocked due to my bank not allowing me to go external. I want to set up this digital wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: JPMORGAN CHASE & CO.
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
We have been solicited by our current servicer, JP Morgan Chase for a HARP refinance. The loan is owned by XXXX XXXX ( XXXX ). Last year and again this year, we submitted our application over the phone and supplied Chase with all documents as requested. We have a HELOC with XXXX Bank, and understand that loan would need to be subordinated. In XXXX, Chase denied our loan stating that XXXX did not respond to their request for subordation. According to XXXX, Chase ( via their title company, XXXX XXXX ) never contacted XXXX Bank. At that time, we were offered a standard refinance at a higher interest rate and significant out-of-pocket closing costs, including an appraisal, title search, etc. In XXXX XXXX, after numerous solicitations, we applied a second time for a HARP refi, and were assured that the issues that occurred previously would not happen again. The last communication we received from Chase was on XXXX/XXXX/XXXX, via secured email in response to my email requesting an update on the process. In that email, XXXX XXXX at Chase Bank indicated that he just received request from his processor that XXXX was requesting income verification and a copy of our Hazard Insurance XXXX. We supplied all of these documents on XXXX/XXXX/XXXX. Since then, again, we were notified by Chase over the telephone that our refinance loan was withdrawn because XXXX was requesting documentation that Chase could not or would not provide. We contacted XXXX directly and were told that they requested from Chase, through XXXX, either income verification and an appraisal OR a written request from us as borrowers to reduce our Line of Credit limit to equal the current outstanding principal balance. We agreed to those terms, notified both XXXX Bank, Chase and XXXX XXXX of our intentions and received an email back from XXXX indicating that the " title order was cancelled ''. We have had no further communication from Chase either via US mail or electronically, that there were any issues or concerns with our loan application.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: ALLY FINANCIAL INC.
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: Information belongs to someone else

Complaint:
Ally Financial Bank response on the XX/XX/2020 to my claim with documents that I have recieve via mail, how ever Ally Financial bank fail to send me full documentations of the ducuments I requested to be provide. I requested a signed contract between my person and Ally Financial, what I receive was a contract that belongs to another company. Also Ally Financial fail to send me the bill statement that shows for how much they sold this account to XXXX XXXX XXXX together with all my CONFIDENTIAL PERSONAL INFORMATION.

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 2020-03-24
Company: EQUIFAX, INC.
State: AR
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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
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 been trying to correct my credit report with this company for close to XXXX  years. They fail to properly respond to my request to investigate or provide documentation on why they are showing this to be a charge-off/collection account. Their lack of caring to properly report this account on my credit has caused me to lose job opportunities because of their careless actions. This company XXXX has been known in the past to report wrong information as well as take advantage of consumers buying cars through them.

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 2022-10-02
Company: Remitly, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Last XX/XX/XXXX my Remitly account did a transaction of {$710.00} using my XXXX account. They used my recipient name but changed the mode of payment/pick up to XXXX which is I never did used before. I only used XXXX pick up as I want my recipient to show there identification card when they do pick up money and the other one is a bank transfer. There is a lot of transaction made at the same time during that day that tried to withdraw money on my bank accounts and XXXX credit card which was saved on there application fortunately the other transactions was declined because of those XXXX accounts sent me notifications that the transaction was declined that's when I knew my account were compromised. I right away contacted Remitly and filed a dispute and was trying to cancel my account with them. I told them that it wasn't me who is doing the transactions and I am also currently at work at that time. I was talking to the fraud specialist during that time over the phone and he mentioned to me that the transaction was made in Texas and I told him that there is no way I did that transaction as I am currently living in California. He did insist that it was sent to my recipient that was on my file and i told him she did not received any money and I never sent money through XXXX. I told him I don't even know what Gcash means and how it works I have been here in the XXXX since XXXX. I was getting upset with the reasoning that he was telling me and the way he talked to me he seems to not believe my report. He said since the recipient was my cousin he assumed she has the money. During our conversation the line was cutoff and there is no resolution that was made. I also contacted my cousin and all the recipient on my account to ask them if they received money from me via Remitly and all of them said no. I also warned them about this case and what's going on. I contacted Remitly again today via chat and I have a screenshot of this conversation and all he ( XXXX ) have to say was this transaction was complete. I asked a lot of follow up question about that and he didn't reply at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
ON or about XX/XX/XXXX CountryWide Home loans INC allegedly sold my note for my house to XXXX AS TRUSTEE FOR HOLDERS OF XXXX XXXX ARM TRUST, MORTAGE PASS- THROUGH CERTIFICATES, SERIES XXXX, but prior to that transaction I have evidence that has come forth by way of collateral file. A Deed of trust from CountryWide Home Loans INC transferring all beneficial interests to XXXX XXXX as trustee for the note the date this occured was XX/XX/XXXX. along with this DOT was a allonge endosed to XXXX XXXX. 
Somtime in the year of XX/XX/XXXX CHL decided to void out the allonge and stamp on the original note a blank endorsement so that they could allegedly sell it to the trust. CHL has commited mortgage fraud, spoilation of evidence, S.E.C. fraud that violates trust laws, these violations need to be investigated thourghly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation