BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Issue: Billing statement

Complaint:
I have a credit card from Band of America and I set up the automatic payment to pay my balance fully every month. But when I checked my statement, I found that from XX/XX/2015, every month there would be multiple payments to my credit card. One is called PAYMENT DIRECT DEBIT - THANK YOU, the other is BA ELECTRONIC PAYMENT. and in most of months, the combination of these payments would exceed my balance, which led to a credit balance in my account. I just called BOA and the customer service said one of these XXXX payments was not recognized. But I only set up the automatic payment on BoA website. I did n't set up other automatic payment.

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 2015-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have not been using my account for over 6 months. When I checked the account it had occurred over {$630.00} in overdraft fees alone. There were over XXXX {$35.00} fees from where one company tried to take money out of the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XX/XX/2016 I started getting monthly service fees on my Bank of America account. I have had this account for over 10 years and the only thing that has changed is I have been paying my debt down and some of the loans were sold to other companies. No disclosures were mailed to me to notify me of this sudden change. When I requested a research and fee reversal - my request was denied. I demanded a name of the manager or regional manager - that was also not given to me. I was told that there is no manager at this time at the location I went to. 
This was in XXXX, WA banking center on XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company XXXX XXXX XXXX called and left a automated voicemail on my machine they say someone has filed a complaint against me call to find out who it is. I call they say Bank of America is going to sue me. And I have to pay this debt. I say I have not had a bank of america card in 30 years. They say they will subpeona me and have a nice day. Please look into this. They call from XXXX number XXXX and XXXX both call back numbers left the same reference number. The scary thing is they have my social security number and current employer. You have to do something to stop these crooks. They violated all kinds of FDCPA

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Braviant Holdings, LLC
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
XXXX XXXX XXXX & XXXX XXXX XXXX I have reported these companies before for unwanted contact. I did not opt in. I was told I would not be contacted again. And I am still receiving physical mail and email solicitation. I have requested not to be contacted. EVER. I did not change my mind. I do not wish to enter into business with these companies. My privacy is continually invaded. I now have to provide identity theft information to conduct business with other companies for this continuous invasion of my privacy. Stop the unwanted contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The debt they're are trying to collect is an XXXX  & cable bill. I didn't sign up for someone used my name to get cable, I tried to tell them it is a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: CT
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:
1. Equifax had changed my credit score after they did not receive a monthly payment from me. My score dropped XXXX points for no reason there is no explanations as to why my score dropped XXXX points. This appears to have happened after they did not receive a payment. I do not need to pay Equifax when the score is free on XXXX XXXX 2. Equifax has not removed and old account ( XXXX XXXX account that should have come out of my report in XX/XX/2022. I have been disputing this account for years XXXX and XXXX have already deleted this account. Please assist with this issue updated and corrected thank you. Account is over 7 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Carvana Group, LLC
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/XXXX, I ordered a car using the Carvana app. I chose to trade in my previous vehicle and take out a new loan to satisfy my previous car loan and cover additional expense related to the new car. I selected to transfer my license plates from my old car to my new car. I picked up my new car and finalized the deal on XX/XX/XXXX. 

Earlier, the week of XX/XX/XXXX, I called and chatted Carvana to confirm that my plates would be transferred and that they would do it for me. Two different representatives confirmed that was the case - one on the phone and one on a chat. 

On XX/XX/XXXX I renewed my DC tags per Carvana 's guidance that my plates would be transferred. I paid {$110.00} and have attached the receipt and a photo of the new tags. 

On XX/XX/XXXX, I got an email from Carvana that they would not be able to transfer my tags, because they expired in two weeks. I emailed them back with no response from the company. I called and talked to an associate but it was already too late in the registration process to stop the creation of new license plates and registration. I asked for a credit for the {$110.00} ( which would now be part of my overall car loan ), but which I paid separately for out of pocket under the expressed guidance that my tags would be transferred. The associate said she would request the credit. I called back several times after that spending hours on the phone talking to several different associates who said they understood my issue and would request the credit only to have all of those requests eventually denied. 

You'll see on page 1 of the contract I am including in this complaint that the overall {$42000.00} price of my car ( the amount of the loan ) includes {$110.00} for the DC registration fee. 

Numerous calls and countless hours of talking to the company to try to get the credit issued have gone unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
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: Information belongs to someone else

Complaint:
I am a victim of inaccurate/unverifiable/invalid/and-or possibly even fraudulent misinformation. I am writing to request that you block the following unrecognized and/or fraudulent information from my credit report. I have no idea how the misinformation come to take place. I also have no knowledge of any person/persons/or entities that might be responsible. I have not received any money, goods, or services as a result of the disputed misinformation

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 2021-12-21
Company: TMX Finance LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
On XX/XX/2021, I entered into a consumer transaction with TITLEMAX. On XXXX, I sent a cease and desist notice, TITLEMAX has failed to acknowledge. On XX/XX/2021, TITLEMAX STOLE MY VEHICLE. TITLEMAX HAVE FAILED TO NOTIFY ME IN WRITING. While looking over my contract, I see TITLEMAX has violated several laws. 
Please see attach letter for violations. 

TITLEMAX has stole my vehicle. Taking possession of something you do not own is thief. Having a lien of a vehicle does not mean you own it. TITLEMAX allow a XXXX ( third party ) to come and get my vehicle. This is a violation ; the XXXX ( third party ) was not their to witness the contract and is not apart of the contract. I want to know how did the XXXX ( third party ) get my address, location, and I did not give the XXXX permission to take my vehicle. This is an infringe of my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX XXXX XXXX  card owned by Comenity Capitol Bank has consistently charged a {$29.00} late ( which will go up to {$41.00} XX/XX/XXXX ) when I make my payment online on time. They send the statement out 30 days in advance but dont allow you to make the online payment until 2 days prior to the due date which is the XXXX of each month. This is totally unethical! They also charged me a {$29.00} late fee for missing a XXXX payment which was indeed made XX/XX/XXXX but did not reflect on my XXXX statement. Ive spoken with Comenity and they admit they send the statement out 30 days early but only allow online payments to be processed 3 day prior to due date which makes than automatically late!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
From XXXX I have mortgages loans with Bank Of America. My original problem was an Auto Draft account used only for the mortgages payments. Seeing misapplied payments and wasting hours on the phone I decided in keeping it simple. So I closed the auto draft accounts and paid each mortgage in person by cashiers check only. Bank American would then apply payments to the closed auto draft accounts paying fees and such which they had already corrected but still shows back up. It took me XXXX times to force close those auto draft accounts. XXXX a manager with XXXX XXXX had directed me to make payments only by cashier checks payments in person for record which I did. All cashier checks are from XXXX XXXX. Then Bank America said I was missing several months of payments. As of XX/XX/XXXX XXXX personally helped by calling Bank Americas talking to several managers to resolve this. We would get a manager that would ask for several months copies of cashier checks starting in XX/XX/XXXX so we fax them copies.. She would always ask for a direct contact number which they said they did not have one and call customer services. XXXX also asked for a conformation letter for problem resolve which they would never send. A few weeks later the problem would started again with a different manager and same ending story nothing solved. Now all XXXX properties are all in a foreclosure. XXXX reviewed the statement they sent out which shows that I did not miss a payment and that Bank America had misapplied payments. Bank America now shows that my XXXX accounts are from {$1300.00} TO {$2000.00} behind and when asked which months they need a copies of the cashier checks to resolve this matter never gets resolved and is always a run around. Several times I personally went into a branch to resolve this and they told me I need to call customer service. Now working with a XXXX XXXX in the debt collector department goes on week after week. I also called her manager XXXX XXXX for three weeks now and he will not return my call

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: Colony Brands, Inc.
State: IL
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Company is reporting on my credit report that I owe them I just realized this is showing on the credit report I have written to them and they sent me back a identity theft affidavit and i asked that they investigate the debt but they are stating the form must be completed first but I have not indicated identity theft as of yet. I returned the form with notary because the police have not been contacted.I asked that a copy of any of the orders and or payments made be sent to me. no response as of yet

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2020-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Transunion reporting a account i dont own

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 2022-05-12
Company: EQUIFAX, 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 the below accounts has violated my rights : XXXX  - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX XXXX  - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Partial Acct # XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX  XXXX XXXX XXXX XXXX Acct # XXXX 15 U.S.C. 1681 Section 602A, states I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
OK SO I WAS XXXX  BACK IN XX/XX/XXXX TO BE EXACT. I WAS XXXX   WITH XXXX XXXX XXXX XXXX XXXX. TO MAKE THE STORY SHORT. GOT XXXXXXXX XXXX XXXX XXXX XXXX XXXX. BASICALLY SPENDING XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX. ENDED UP BEING IN IN XXXX  FOR YRS STRAIGHT. MY EX-BOYFRIEND NOW BUT BOYFRIEND THEN WAS ABUSIVE, CONTROLLING, VIOLENT AND A THEFT. HE WOULD ALWAYS CARRY MY ID SS CARD AND YOU NAME IT. SO WHEN I CAME OUT OF XXXX. ON XX/XX/XXXX I TRIED TO FILE TAXES FOR THE XXXX TAX YEAR. WAS TOLD THEY HAD BEEN REJECTED BY THE IRS. LOOKED INTO IT AND SURE ENOUGH SOMEONE HAD FILED THEM UNDER MY INFO. SO I CONTACTED THEM AND THEY SAID THEY COULDN'T HELP ME BECAUSE THEY HAD NO PROOF THAT I WAS REALLY IN XXXX AT THE TIME OF TAX FILLING SEASON. SO I SAID OK WHATEVER. DID DO ANYTHING ELSE BUT THIS YR WHEN I TRIED FILLING THEM AND THEY WERE REJECTED. SINCE I USUALLY WOULD FILE AS SOON AS THE SEASON STARTED THIS HAD NOT HAPPENED BEFORE. BUT THIS YEAR I WAS LIKE HA I AM GON NA TRY AND FILE THEM MY SELF SO IT TOOK ME LONGER TO FILE THEM. CALLED IRS ALREADY SENT IN THE DOCS. THEY ASKED ME FOR. BUIT AFTER THAT I START TO REALLY DIG INTO ALL MY INFO AND FOUND BANK ACCOUNTS PREPAID CARDS AND OTHER ACCTS THAT I HAD NOT OPENED. PLEASE HELP ME RESOLE THIS ISSUES

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I can not afford to make payments due to a series of health issues, they posttponed payments however the interest charged is beyond belief. I have been paying off A {$6000.00} loan since 2009 my school really rooked me into signing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX notified me on XXXX XXXX that my recently deceased husband had a policy with them and Wells Fargo Bank was the custodial beneficiary. The insurance company told me that they can not process the claim unless Wells Fargo contacts them. I have spent many hours talking to many people at Wells Fargo to no avail. Nobody at Wells Fargo has been able to tell me anything they just keep referring me to somebody else who has no information. On XXXX XXXX I received a letter from Wells Fargo Mortgage Company giving me the payoff amount for my home mortgage. I called Wells Fargo ( again ) and asked who had requested this information. They said they did not know but they thought it may have been the insurance company and I should call them. I called XXXX XXXX and they said the claim forms they sent to Wells Fargo had been returned unopened. This whole business makes no sense to me and has caused a tremendous amount of XXXX that I dont need after just losing my husband of XXXX  years. SOMEBODY at Wells Fargo must surely be able to resolve this situation. I will be most grateful for any help this complaint generates.

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 2016-12-15
Company: Talbot, Adams, & Moore, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They are reporting on my credit twice. They are aware of it and say they wo n't do anything about it until I pay off the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission,15 USC 1666 ( b ) - truth and lending act., 15 US Code 1692e ( XXXX ) ( a ) the character amount or legal status of any debt and ( b ). You are falsely and misleading representations. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of. This is very frustrating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21
Company: GUARANTEED RATE INC.
State: NV
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:
XXXX XXXX XXXX XXXX Guarantee Rate Branch Manager/VP of XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX NV XXXX NMLS ID : XXXX On XX/XX/XXXX I reached out to XXXX XXXX and company regarding a hard inquiry notification I received. I did not authorized them to pull my credit in XX/XX/XXXX or XX/XX/XXXX. When I spoke to XXXX XXXX she advised me she read an old email from me and sent it to her assistant to run my credit! She was out of the country at the time according to our phone conversation. She apologized, and I stated very clearly I wanted the hard inquiry removed. I did not provide consent. Nothing was signed, no verbal or written consent was provided to XXXX XXXX and Guaranteed Rate to run my credit. I requested for a ballpark estimate back in XXXX as I was going to purchase a home, but did not want to run credit yet since I wasnt sure. However my report was pulled when XXXX XXXX requested to review my prior tax docs. Fast forward XX/XX/XXXX she ran my credit again, however this time I made it absolutely clear I wanted corrective action. Still upset from XXXX incident, she made a mistake again. 4 months have passed since and no updates have been given. Id like to have an investigation open as I now have 2 unwarranted hard inquiries from this company without consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-16
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My loan was taken off deferment on XXXX/XXXX/17 and a payment was taken from my bank account automatically ( which I signed up for years ago ) on XXXX/XXXX/17 without any notification to me. I had payments scheduled, since I graduated, for XXXX/XXXX/17 and those payments were not taken into account when automatically taking the money from me without my consent. I was never notified that payments would begin again because they claim there was no time. In what world is it OK to just begin taking payments from someone without a phone call or email or letter?

Company response to consumer: Closed with explanation