BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, I want to file a compliant about Bank of America, I have been had problems with this organization for years. I could go on and on, but for now I want to submit a complaint about my current issue. In XXXX XXXX the renters I got to cover my mortgage payments up and left with over {$3000.00} dollars in damage and unpaid back rent. I was forced to leave my home in XXXX XXXX because my Husband killed himself there and my children were diagnosed XXXX and had been given medical advice to leave the home, we had to move! BOA was notified of this and would not work with me to lower payment or even return my calls. I was able to rent the home until XXXX XXXX. At this point I contact BOA and told reminded them I could not return to the home and the mortgage was to high to find renters to pay it. Again, had very little response. In XXXX after repeated phone calls and getting the run around I was finally contact and told to submit documentation for a modification. I had to submit and re-submitted 3 times, same documents and got not resolution. They in XXXX XXXX may case was set to some contractor, not BOA, who again asked for same documentation and finally denied my modification and told me I would n't qualify because I can live in the property. Ugh!! why did n't I get that information originally BOA knew all along I could not live in the property! Then I applied for short sale approval and got sent to another contractor of BOA and they did nothing accept call each couple of weeks asking if I had questions. Again I kept voicing my complaints and getting no answers. Finally in XXXX XXXX someone for BOA took over my case and I was told everything would be resolved in a month and now we are entering XXXX XXXX still no resolution or update on progress. I have submitted all my documentation and tried countless times to come to a resolution in the mean time my credit is getting ruined and this nightmare situation continues because know XXXX at this company can do their job or come up with a solution for my situation. I have filed complaints with better business bureau and everyone say " Oh Bank of America, Sorry but we ca n't do anything but log your complaints '' I am so frustrated and do not have the money to sue this company for all of the problems they have caused me, but I wish someone would help me resolve my situation. It is destroying me financially and mentally!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021 I notified my mortgage company carrington mortgage that I need to go into forberance due to finacail hard ship due to covid.. they are not willing to work with me due to the balloon payment is due,, i tried even mortgage asst, refinance etc.. and still nothing from them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
TransWorld Systems is reporting account number XXXX on my credit report when I paid them. My credit report reflected a balance of {$77.00} but they are still continue to report this items. I had originally disputed it but it does not say disputed on the credit report which I know is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
American Express turned us over to collection agency after we had been paying them in which they agreed to accept the XXXX a month and accepted the payments. I paid them off on XX/XX/XXXX and they cancelled my account, turned it over to a collection agency and they reported to credit bureau closed and unpaid on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Capital Accounts, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX placed my XXXX for collection with a debt collector. There was no bill sent to me the parent and person listed as payee on insurance form/card. Ive contacted the debt collector company to have them update/remove the collection from my daughters credit file because that is illegal. I was told that I can pay to have it removed from her credit files. The debt is valid and I will pay once it is taken out of my minor childs name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In XX/XX/2022, I received an email from my Chase Preferred XXXX credit card to start a " Chase Plan '' where I can make a purchase over {$100.00} and have XXXX XXXX interest and monthly payments with no fees. The wording in the advertisement 's states " There's no need to make any separate payments for active plans. We'll automatically add the monthly My Chase Plan payment to your minimum payment due each billing cycle. Pay at least your minimum payment when it's due each billing cycle, and you'll pay off your My Chase Plan balance on time. Once you set up a plan, you'll see a payment amount called interest saving balance. When you choose this option, you won't pay off your entire My Chase Plan balance earlier than intended, and you'll still avoid interest on new purchases. '' So, I decided to take advantage of this in XXXX, I made a purchase for {$670.00} on XX/XX/XXXX. In-between that time and my next billing statement on XXXX XXXX, I had made purchase which posted to my balance and showed in my account online and the app and made payments to cover these purchases. Instead of the payments going towards the new purchases which is what was advertised in the above, the allocated my money to the Chase Plan Balance instead ultimately charging me interest on charges that should have been paid off. On top of that, any purchase I have made and returned ( within a day or XXXX ), the refund amount was also allocated towards the chase plan instead of the original charge. 

When I tried to contact Chase about the issues I was treated very poorly and not given any options on how to resolve and was told that I need to read my cardmember agreement. I read this agreement from front to back on all XXXX pages multiple times and nowhere does it state that my chase plan would be paid before any of the new purchases and in fact states different in their advertisement making it deceptive and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
My complaint is with Bank Of America. My statement dated XXXX stated I owed a total balance of {$48.00}, which was due by XXXX/XXXX/XX/XX/XXXX I paid {$48.00} on XXXX/XXXXXX/XX/XXXX. On my next statement, which Bank Of America did not send me, they charged me a {$1.00} minimum interest charge even though my ending balance was {$0.00}. So when they actually did send me my statement dated XXXX, they charged my account another minimum interest charge of {$1.00}, a 100 % interest rate. Since I made a {$130.00} purchase on XXXX/XXXXXXXX, Bank Of America is saying that I owe {$130.00} + XXXX + XXXX + XXXX = {$130.00}! I called their customer service department to ask for an explanation and get the fees waived. They said interest is charged in arrears. I argued that I paid the entire balance off by the due date and that interest should not be charged. Also, they charged 100 % interest on an initial " hidden '' interest charge. I asked for the fees to be waived. They said they could not waive any charges because there is a past due amount. I argued that there is not any past due amount and that the only reason their erroneous accounting says there is is because they hide {$1.00} minimum interest fees. Also, they said that even if I paid the total amount due today that I would still owe another {$1.00} interest payment next month. I can not even close this account because of a balance owed and Bank Of America will not allow me to have a {$0.00} balance for 60 days!

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 2015-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
Bank of America intentionally trapped me as a consumer into a high interest rate poor credit card package by forcing me to sign up with a " pre-paid '' credit card first. I was told because i was young and had little credit history, that they prefer i do a prepaid card. Bank of America uses this practice to Trap younger generations and making it difficult and impossible for them to obtain Fair credit card deals and packages once they have proved their credit worthiness after paying their bills responsibly. Instead, BOA transfers their credit account directly to an interest charging credit card service with an APR exceeding 20 % + charging me annual fees when i generally would not be. I was robbed of the opportunity to have a better credit card service through bank of america, as it already deceptivley trapped me in the prepaid credit card service. Just a couple months after being told i should start with BOA prepaid credit card, i was approved for XXXX XXXX Credit card, which is XXXX of their premium credit card services. I believe Bank of america is intentionally trapping younger generations into deceptive credit card agreements, manipulating consumers into being trapped into accounts robbing them of credit opportunities and competitive deals. Even though i have always paid my bill, ever since my trial period was over with BOA, i have been rejected of new bank of america offers that would grant me the Usual 0 % apr for 15 months plus other card benefits. I believe bank of america is participating in anti competitive practices, consumer fraud, deceptive consumer practices, among other violations against me as a consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Experian Information Solutions Inc.
State: AZ
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:
I have several fraudulent inquiries on my consumer profile that I did not authorize and they need to be removed immediately as per regards the FCRa law 605B and FCRA law 1681 ( a ) ( e ). The Inquires are as follows : 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 XXXXXXXX ( XXXX XXXX XX/XX/22, XXXX XXXX. 

All inquires are fraudulent where contained without my consent and are violating my. Consumer rights and the statue FCRA15 USC 1681ae and FCRA 605B and therefore must be eradicated in 4 calendar days or I am to be compensated $ XXXX damages and defamation per Inquiry totaling {$15000.00}

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 non-monetary relief
Consumer complaint received 2022-11-15
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
In XXXX I found out that I had a property lien which I wasn't aware of. The attorney handling the closing could only tell me the it was for XXXX Bank. To which I responded, we have a payment agreement so I didn't understand why they would have a property lien. Midland Credit is the collection agency that purchased that debt so I called their " legal '' department. During this conversation, I asked about the property lien, why there was one since I had a payment arrangement and had been making my payments faithfully. They led me to believe that they had in place the property lien and need to cancel my payment plan. I protested the canceling of the payment plan, but they said it was necessary in order to resolve the property lien ( paraphasing ). My response was what if it doesn't go through I needed to go back on my payment plan. I spoke with a manager regarding this. Well it wasn't true at all. They were very deceptive. They did not and does not have a property lien. It was a different entity. I feel very lied to and manipulated with the goal of getting my payment plan canceled by any means necessary. I've placed XXXX phone calls today, the first as I was about the explain what had happened she cut me off asking me if I were XXXX XXXX in a very curt manner. I asked for a manager at that point. Told no manager was in the office. Made to other attempts to discuss what happened and to reinstate my payment plan which the woman manager I spoke with said wouldn't be an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Received a call from XXXX XXXX XXXX, stating they were Wells Fargo. This is not a Wells Fargo number and did not have the correct account information. This is a scam.

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 2016-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
We filed a claim the other day due to the way we were treated by Bank of America when my brother and I went to obtain our money as POD 's on our dads account. That is case # XXXX. Today I received a call from XXXX XXXX at Bank of America, phone # XXXX ext XXXX to try to resolve the cfpb claim. XXXX XXXX did n't know my dad 's name, account #, dob, or SS #. She asked that I give her the information to which I refused. This adds insult to injury that Bank of America would have the audacity to call me with the intent of resolving a claim through cfpb without having researched the claim or the need for the complaint. In am infuriated and insulted.

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 2021-07-30
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
We responded to an ad on craigslist for a rental house at the address above. We set up an appointment with someone named XXXX XXXX XXXX to go look at it at XXXX on Monday, XX/XX/XXXX. When we arrived, he wasn't there and was told to set up an account on rently.com in order to access the key inside a lock box to view the house. 

We wanted to go ahead with the rental and that's when XXXX said we needed to XXXX him the deposit of {$1200.00} to take it off the market. We thought he was sending us paperwork in the meantime, but he wasn't. There was a limit of {$500.00}, so that's what we sent. We told him no more money until we have a contract signed. XXXX wanted us to send the rest of the money via XXXX, but XXXX would not allow us to send more the same day. He sent us the application finally. 
When we noticed the application did not match any of the information associated with the listing, we left and went straight to Wells Fargo as XXXX continued to call us. We demanded our money back, he said we had to finish our application. We did not send back any application. He sent us the application form via XXXX. The subject of the email said, XXXX XXXX. 

At Wells Fargo, they said the only way to resolve this was over the phone, unfortunately. We immediately called Wells Fargo and XXXX ( through WF ). After multiple transfers, we finally filed an investigation claim with the Online Fraud department of Wells Fargo with XXXX. ( XX/XX/XXXX ) I even tried to request a payment back from XXXX via XXXX XXXX XX/XX/XXXX XXXX and it was immediately denied. 
Next we called XXXX PD and they never picked up the phone. We even called XXXX PD and were transferred back to XXXX PD and they never picked up. ( XX/XX/XXXX ) I followed up with WF 5 days later ( XX/XX/XXXX ) and they said they could not retrieve the funds from the recipient 's account as of today. Because of that, there was nothing else they could do. If they had tried when we initially called on XX/XX/XXXX, they probably could have retrieved the funds. They just chose not to. 

Now we are out {$500.00} and still do not have a place to move to.

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 2015-10-22
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I disputed an attempt to collect by Enhanced Recovery Company , LLC on XXXX/XXXX/2015. Although being told I would be cleared of this debt, it shows up on my credit report. This debt is not mine as I told their representitive. This is the SECOND time within one year I have had this issue with Enhanced Recovery. Am I to assume that everyone with the name XXXX XXXX now has this on their credit report?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Contacted Equifax on XX/XX/21 spoke with XXXX. He gave me case # XXXX in regards to me not being able to file online dispute thru Equifax website as it states I have disputes already pending. I have no disputes pending. XXXX stated I would be emailed 48 to 72 hours on the results and with the issue fixed. As of XX/XX/21 no email from Equifax. I called Equifax on XX/XX/21 spoke to XXXX and explained my situation and gave XXXX the case # and she said she could not help with the case # and Equifax does not give time frames and issues from Equifax web site and placed me on hold in which I was disconnected. In both phone calls both representatives were rude and condescending and did not want to help. I asked XXXX to speak to a manager in which she stated she is as high up as I was going to get. When I informed XXXX I would contact the Consumer Financial Protection Bereau she laugh and said go ahead they cant do anything. I find this type of service I received beyond words and feel as a consumer I have rights to be able to go and dispute what is not accurate in my credit report per the Fair Credit Reporting Act. I feel as though I have not been treated fairly by Equifax representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: STERLING BANCORP
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank does not let me transfer money out. 

On XX/XX/XXXX, my request to transfer {$25000.00} out of the account was canceled for no reason ( Item # : XXXX ). 

On XX/XX/XXXX, my request to transfer {$25000.00} out of the account was also canceled for no reason ( Item # : XXXX ). 

The bank would not let me transfer out more than {$25000.00} under any circumstance, even during the Covid-19 pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: VA
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 ordered a copy of my report in XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX, and XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity of the account XXXX XXXX XXXX Balance : {$66.00}. I believe it was reporting in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
See attached .pdf copy confirming payoff of a Citi Cards credit card account, for the balance stated of {$210.00}. This card was canceled/inactive approximately 4 years ago. Citi Cards has sent me a following bill for interest of {$3.00}, for the period XXXX/XXXX/2015 through XXXX/XXXX/2015. Once again, this card was canceled/inactive approximately 4 years ago. I called the Citi Cards customer service number ( XXXX ), and spoke to a representative who did not identify him self. I asked to speak to a manager in charge, and was refused. The Citi Cards representative did not resolve the matter to my satisfaction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Navient Solutions is reporting multiple items on my credit report that I did not receive from them nor did I agree Navient to pay. I contacted both Navient and the XXXX credit bureau which are reporting these fraudulent items and neither will send me the contract with my signature which I requested. I have asked numerous times and received nothing. By law these items must be removed. I will be filing a complaint with the XXXX as well as filing a lawsuit against Navient and XXXX if these items are not removed immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Navient Solutions, LLC.
State: CA
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:
Consistent misallocation of payments, resulting in frequent past due notices and late fees. All attempts at resolving the issue with Navient have failed. I have a year of statements proving our payments were made on time, and that Navient cashed every check.

Company response to consumer: Closed with explanation