BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America erroneously paid my neighbor 's property taxes out of my escrow account. By two letters dated XX/XX/XXXX ( after repeated requests from me ) bank of america stated that they paid property tax of {$2500.00} on parcel number XXXX on XX/XX/XXXX and paid {$330.00} on parcel number XXXX on XX/XX/XXXX. These parcels do not belong to me and are not listed in my name or at my address.The total of {$2900.00} was misappropriated from my escrow account related to my mortgage. Additionally they raised my mortgage payment to {$950.00} and then to {$1100.00} as of XX/XX/XXXX. Ten phone calls later requesting return of the {$2900.00} and reevaluaton of mortgage payment, I have learned that they " updated '' their information and that my mortgage payment will be {$770.00} per month but not beginning until XXXX XXXX. As of today they have provided no response to my request that the misappropriated funds be paid back to me. I want the {$2900.00} IMMEDIATELY paid back to me by deposit in my checking account and a written apology from Bank of America. 
.

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 2022-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Was not notified of investigation status or results

Complaint:
Bank of America cancelled my credit card after I had disputed several reoccurring charges that I did not make and ruined my near perfect credit. 

The first fraudulent charge dates back to XX/XX/XXXX until the first month of XXXX. An unknown and unfamiliar monthly charge kept occurring and I had tried to dispute these charges but Bank of America offered no assistance. 

I did not know I carried a balance on my card until I attempted to use it and found out that an accrual of unauthorized charges have locked my card. I did not want to pay the balance that I was told I owed because I rarely use my credit card so I first wanted to dispute the charges to see what my options were. 

I even tried to make an appointment to speak with someone at Bank of America only to be cancelled on at the last minute. 

No one ever told me my card might be cancelled or credit in jeopardy. I have been a loyal customer of Bank of America for several decades and I have worked hard to maintain the best credit score an individual can have.

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 2022-11-30
Company: FIRST HORIZON BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
After having difficulties with FirstHorizon bank buying my current credit card company, I opened a new account and transfered the balance. All of the balance wasn't transferred and FirstHorizon sent the statement to an address I haven't live in in almost 10 years, evidently when they migrated the data there was an issue, so I never knew there was still a balance or a payment due, now XXXX days late, credit score dropped XXXX points and still struggling to actually get a payment made. 

I WAS NEVER NOTIFIED THERE WAS A BALANCE OR PAYMENT DUE, AS I WOULD HAVE HAPPILY MADE THE PAYMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My father had a personal checking account at Fifth Third Bank in Michigan and had passed away on XXXX. I have filed the proper probate paperwork ( Order of Assignment ) in Michigan and have certified copies of both the death certificate and order of assignment. I have contacted Fifth Third Bank at the branch I was instructed to based on where he had opened his account which is XXXX XXXX XXXX XXXX I have gotten the run around from them since XXXX and was even told I could reach out to " any branch '' to get this done and have essentially been ignored. I live in the state of Colorado and Fifth Third Bank is not in our state ( or even close ) so I am trying to get this taken care of from a distance. I even went up the chain to Corporate and the " Probate " contact and seem to be getting nowhere. There has to be a way to facilitate this long distance, but no one seems willing to figure it out. I have sent in copies of the documentation to XXXX branches to get the ball rolling, to no avail. What are the next steps I can do? They essentially have been holding the funds that I am lawfully entitled to and those funds are needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I had a fraud on my account for {$10000.00} in 3 different checks, 1 for {$8000.00}, 2 for {$1200.00} 3 for {$840.00}. I did the report to the bank Wells Fargo, but they said the claim it was made to late ( over late 6 months ). I did the report as soon I notice the discrepancy. I was doing reconciliation for my annual tax report. I have an extension for that reason it was late because I have an external account helping with that.

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 2022-06-07
Company: CAINE & WEINER COMPANY, INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Caine & Weiner has violated my federally protected rights and has failed to let me exercise my rights under the FAIR DEBT COLLECTION PRACTICE ACT 15 USC 1692. Caine and Weiner continues to try to coerce me into paying the alleged debt. XX/XX/2022 Caine and Weiner signed for my Conditional Acceptance letter that was sent via certified mail tracking number XXXX XXXX XXXX XXXX XXXX XXXX. Attached are the signature letter and conditional acceptance. 
I agreed to pay Caine & Weiner if they could produce a contract binding you ( Caine and Weiner ) and I, proof of your claim and a signed invoice within 15 days if they could not provide proof they admit to being a party of interest and can not rightfully enforce a claim, they failed to provide that or respond back. They have little to no information and making it impossible to validate the alleged debt. It have been over XXXX full months since I agreed to pay and they failed to produce the information as it is my right to receive that under the Freedom of Information Act. Caine & Weiner has fringed upon my rights to privacy. I have and continues to suffer from actual damages and injuries as this company has made it completely impossible to exercise my rights getting information on the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I called Citizens to close the savings account. The rep " processed '' my request and sent the remaining balance ( {$0.00} ) to me via paper check which I deposited at my credit union on XX/XX/XXXX. Today ( XX/XX/XXXX ) Citizens sent me an email explaining they will charge me a {$9.00} " monthly maintenance fee '' on XX/XX/XXXX. Also today my login and password still work! I can currently login to this " closed '' Citizens savings account and see a balance of {$0.00}. My only relationship with Citizens is via this " closed '' savings account which they bought from XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: LA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
LOUISIANA CHILD SUPPORT, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This account is currently in litigation and has been for several months. XXXX XXXX XXXX allowed someone to create another line in my name and get a phone not once but multiple times. Identity theft. I have reached out to XXXX XXXX XXXX  to resolve issue but Ive been threatened by them for non payment. I reached out to a lawyer and the account is currently under litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Early Warning Services, LLC
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:
After several attempts to communication with the company. The company has failed to produce documents to validate the information that is being distributed to banking companies upon request. This agency is reporting to companies and should housed this data per law, however in any case when the information can not be validated it should be deleted from the consumer profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Starting date XX/XX/XXXX - present. Comenity Bank has been down. Can not log in to access information, can not make a payment and can not get any information of when the system will be back up. The two store cards I have currently through Comenity bank that need to be paid are XXXX and lane bryant, both of which can not be paid in store. I have no options and my due date is XX/XX/XXXX. I have been hearing other consumers stating that XXXXomenity has been marking their credit reports late for the issue that has originated from Comenity. I am out of options because I pay all my bills online and even have paperless billing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XXXX XXXX XXXX ( XXXX XXXX ) : XXXX I Disputed this account, and nothing was sent to me to legally verify this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received email notifications stating an account was opened under my name with Bank of America on XX/XX/2022. I have never used Bank of America and never attempted to open an account with Bank of America. I have attempted to contact Bank of America about this but struggle to even get in contact with an actual representative. I am constantly being asked for the account number for the newly opened account, but since I was not the one to open the account I do not know the account number to have them shut it down.

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 2016-10-28
Company: Brelvis Consulting, LLC
State: NC
Product: Other financial service
Sub-product: Debt settlement
Issue: Excessive fees

Complaint:
In XXXX, I had inquired about consolidating my student loans with The Student Loan Help Center. My student loans had went to default and i was afraid that I wouldnt be able to get them out of default. So i called this company The Student Loan Help Center. They made me feel like they were going to help me get my student loans out of default. They ask for a payment upfront of XXXX dollars. I didnt have all of it at the initial conversation. So i paid XXXX dollars intially and setup XXXX payments for 2 months of XXXX dollars. I was very hesitant about giving them the money. But, they reassured me that if i was not happy with the service i would get my money back. I realized later on in the month that i was dealing with XXXX companies. They had to send my information to another company for processing. So which that would make them a 3rd party. So, periodically I would call The Student Loan Help Center to check on the status of the consolidation process. But, everytime I call they would tell me that everything was going fine and i should hear something back in XXXX. But, that was not true, it was not okay, because they sent me a letter XXXX XXXX, 2016, stating that the consolidation process needs to be reinstated please contact their office. So when i spoke to their Representative XXXX, he had to put me on a conference call with XXXX XXXX. I was angry that they did not let me know that this had happened. I done some research and found that my consolidation has been this way since XXXX. They never thought about notifying me about this matter. The Representative lied to me about this matter. I also had a chance to speak with a Manager XXXX, today he was very arrogant and threaten to take me to collections if i canceled with them. I asked them to provide me with a invoice copy of services. In which would in detail explain what the money was used for. He quickly explained that they do not have to provide that statement to me. I really felt like i got taken advantage of. I would really like to have this company investigated for fraudulent activity and obtaining documents without having a license to do so.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On multiple occasions we have found our loan officer to be dishonest, misleading, and generally unprofessional. We have complained to his manager and his manager 's manager about assigning a different loan officer to our file. Our loan officer, XXXX XXXX, says he has put in countless hours to our file and is not leaving. 

Our loan officer at Chase XXXX XXXX XXXX ) made misleading and, in some cases, false statements about a number of issues over the course of my wife and I attempting to qualify for a new purchase. These misleading and false statements include : 1 ) Saying that we needed to put down 20 % as a down payment because the county we were buying the home in ( XXXX XXXX XXXX Nevada ) was under COVID restrictions ; once the restrictions were lifted, we would be eligible to put down 10 % - 15 %. 

2 ) Saying that because we had a large available credit balance in our HELOC with a different Bank ; Chase underwriting viewed the entire available line of credit as if it was USED ( monthly payments being made by us on the entire balance ) and would calculate monthly payments to the HELOC lender using the highest allowable interest per contract with lender ( rate fluctuates with prime interest ) and the full balance of the line of credit, which made our Debt-to-Income ratio unfavorable. We needed to refinance the current mortgage on our home, and considerably reduce our line of credit ( reduce line by 74 % ) to qualify for the loan. 

3 ) Saying that Chase underwriting viewed the loss on rental property for one year would show as an additional expense of $ XXXX. It did not matter if the rental property was held in an LLC, or if the loss was due to adding back depreciation on the property and we had positive cash flow for that year. 

4 ) Providing incorrect expiration dates for the initial rate lock period. 

5 ) Three weeks before the expiration of the initial Rate Lock Period, Loan Officer asked if we wanted to extend the rate lock for - 15, 30, 45, or 60 Days ; as we moved closer to the expiration of the initial lock period, we asked our loan officer for a 60 Day lock and was then told by our loan officer that Chase no longer offers rate locks for more than 30-days. This will force us to purchase two or more rate locks from Chase instead of one. 

6 ) After almost a year of back and forth, our home is near completion and we are moving toward closing on the home ; now Chase is saying that due to the additional options ( which they were aware of ) we need to put up more money, approximately 24 % instead off 20 %, which is an additional $ XXXX. 

7 ) Loan officer took an action ( without consulting us ) that he knew could possibly have our loan suspended and then attempted to cover it up by saying that we told him to take that action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Central Portfolio Control Inc.
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a Text XX/XX/XXXX at XXXX XXXX  from Central Portfolio Control IncXXXX, regarding a matter that their office is handling. I click the link and add the agency XXXX  XXXX. It then brings me to an account that states I owe an alleged debt for {$10000.00}. The Original Creditor was XXXX XXXX XXXX, assignee of XXXX, who previously charged off the alleged debt. I have no contract with Central Portfolio Control Inc . I do not owe them anything I do not know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating False representation. All caps name, stating consumer owes debt 15 USC 1692b ( 2 ). They are in Communication without prior consent violation of 15 USC 1692c ( a ). They are using false, deceptive or misleading representations in violation of 15 USC 1692e. They are using obscene/profane language accusing me of owing an alleged debt which is violation of 15 USC 1692d ( 2 ). The communication between Central Portfolio Control Inc. and XXXX XXXX XXXX, assignee of XXXX, about me is in direct violation of my privacy per the Privacy Act of 1974

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXXredit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX XXXX Account # XXXX, 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 : 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 2022-06-07
Company: Experian Information Solutions Inc.
State: NJ
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 sent multiple disputes to the 3 major credit bureau requesting to have my credit file corrected from all inaccuracy.

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 instruction. 

Reporting a debt as charged off, when it was settled or paid off. 

Reporting late payments when your payments were timely. 

Reporting old debts as new ones. 

Reporting that an account was active after it was voluntarily closed by a consumer. 

Inaccurate statement of balance due. 

Failing to have a reasonable procedure for you to report identity theft ( or supplying credit information on an account where identity theft was previously reported ).

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