BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have bogus charges from XXXX. These charges are illegal. They are not even allowed to do business in the United States or with any U.S. citizen. They 've asked me for a fraud statement and I sent it in TWICE! They claimed they never received it and recharged my account {$11000.00} in bogus charges. I 've given them all the info they requested. I am not paying for these charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had a mortgage with bank of America since XXXX the pymt is due on the first but I have a 15 day grace period. However, about a week to 10 days before my grace period is up they charge an extra {$6.00} for me to make the payment on line. this was not in ther terms of my initial loan agreement and I do n't see how they can charge that since I 'm not past due. I would like all these fees I 've paid refunded to me and I 'd like to know how to inquire about a class action law suit.

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 2016-03-18
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Was in a income based repayment plan. Submitted my yearly application for repayment plan with paystub and they " guessed '' my annual gross. Increased my payment by {$140.00}. Called and complained numerous times that my income ( that they guessed ) was not correct and that the amount they wanted was not accurate for the Income based plan. They repeatedly told me they would look into it and correct it and in the mean time they would put into forbearance. Now a year later they are saying I 'm delinquent and sent to credit bureau even though I did n't owe that amount according to their income formula.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I am divorced. I am the only one on the loan. And they are talking to my X husband. I have not found out around it until the last minute. I am trying to keep my home they. Then need to talk my myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
NewRez is my new mortgage company. They claim they didn't receive notice of my homeowners insurance policy. My policy runs from XXXX. They claim they do not have insurance information for XXXX. I am concerned this is a fraudulent claim they use often. I have read multiple customer reviews one where NewRez purchases mortgage insurance for their clients in error. These issues cause time and money to their consumers. I worry they are feeding off older citizens or less intelligent home owners that do not stay on top of these errors. This company is borderline fraudulent. Please consider an audit or other action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mailed mortgage payment to Bank of American on XXXX XXXX, 2016. Bank of America received the payment on XXXX XXXX. The payment has not been posted and today is XXXX XXXX. I called them on XXXX to let them know that they had signed for the payment on XXXX XXXX, but the payment is still not posted to my account and today is 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 explanation
Consumer complaint received 2022-05-21
Company: CCF Intermediate Holdings LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I requested debt validation via certified letter on XX/XX/2022. I gave 30 days notice for the company to respond and provide me with the information that I requested. I received no response. 

I then sent a second letter via certified mail on XX/XX/2022, requesting that the company cease the reporting of unverified, invalidated inaccuracies. 

On XX/XX/2022, I received a letter from the company along with a copy of the alleged loan agreement for an alleged amount of {$2000.00}. The letter also indicated the company had responded to my request on XX/XX/2022, though the letter does not indicate how the company attempted to contact me. I have no knowledge of this alleged correspondence from the company in XXXX of 2022. 

The company continues to ignore my requests, and the company has failed to provide me with validated debt that they claim I owe them. The company continues to provide inaccuracies, unverified, and invalidated debt to credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I called my mortgage company about what was needed to remove pmi and I was told that my loan to valu ratio needed to be below 80 % for pmi to be removed. I then scheduled an appraisal through Roundpoont Mortgage ( my lender ). The appraisal came back at 79.5 % but the pmi removal was rejected for reason that the loan to value needed to be at 75 % or below. This was obviously different that I was originally told so I called and a manager listened to the call recordings and she confirmed that I was misinformed but they still would not honor the pmi removal. I feel that this issue was unfair to the consumer and that the pmi should be removed.

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 2016-10-14
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Us Bank charged me XXXX overdraft fees when my account was not overdrawn they were XXXX .for each one. I want my money back my account was not overdrawn. This happened on XXXX/XXXX/16 and XXXX/XXXX/16. Thank you.

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 2022-06-01
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Fraudulent account opened by The XXXX XXXX  doing business as Chime. Received an e-mail from Chime on XX/XX/XXXX regarding an account in my name, which I never opened nor wanted. I immediately replied that no such account had been opened by me. In XX/XX/XXXX I received a Form 1099-INT for this fraudulent account. Again I contacted Chime Member Services, with no response. In XX/XX/XXXX I again received an e-mail from Chime regarding services available thru my fraudulent account. I filed a report with the Federal Trade Commission, thru their Identity Theft Report system ( FTC Report Number : XXXX ) on XX/XX/XXXX. Receipt of a copy of this report was acknowledged by Chime on XX/XX/XXXX via e-mail, which stated that they would, " ... provide an update regarding my account status within 2-3 business days. '' No reply was ever sent. On XX/XX/XXXX I sent a letter to Chime at the suggestion of IdentityTheft.gov, using a form letter they provided ( attached ). To date, I still have not received any reply from Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: EQUIFAX, 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:
XXXX Bank Delaware - XX/XX/2022 - {$4700.00} - Account status Closed XXXX XXXX - XX/XX/2022 - {$9000.00} - Account status Closed XXXX - XXXX XXXX - XX/XX/2022 - {$5800.00} - Account status Closed XXXX - XXXX XXXX - XX/XX/2022 - {$790.00} - Account status Closed XXXX - XXXX XXXX - XX/XX/2022 - {$780.00} - Account status Closed In accordance with the Fair Crediting Reporting act 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: KEYCORP
State: WV
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Fraud or scam

Complaint:
On the WV Unemployment card through Key Bank we had XXXX transactions XXXX for {$1000.00} and XXXX for {$280.00}. We reported it on XXXX XXXX as well as faxed the information to them to begin the process. We have not been given any information what so ever. They have been rude and not sensitive to the fact this was an unemployment card and took everything we have. We were told provisional money would be issued 10 business days from them reviving the fax .... Still nothing and when told about it they continue to say call back in two days of this takes time. We have financially struggled with borrowing money for bills and living expenses. We now are looking for help to know our rights on the process and where to go next.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-21
Company: BARCLAYS BANK DELAWARE
State: ND
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:
This hard inquire on my credit report are not mine and need to be taken off of my report 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 2020-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I previously disputed a public record on my credit report. Transunion said they investigated and the results were provided and confirmed by XXXX. The first issue is Transunion should investigated the account themselves as stated by the federal law. I initiated a request from XXXX and they say they don't even have a file on my name or information. This public record should be deleted immediately from my credit report as it is incorrect and false.

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 2017-10-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
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:
I made a payment 29 days after my due date but they reported 30 days past due

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: RoundPoint Mortgage Servicing LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX my husband XXXX XXXX received information that our house was set for auction on XXXX XXXX 2016 if we did not pay the past due balance. Her contacted our mortgage company RoundPoint Mortgage and was told to pay XXXX by XXXX XXXX to stop foreclosure. We issued and mail a cashier check and overnighted it to the company in the amount of XXXX they received the check on XXXX XXXX @ XXXX. the cashier check was returned to us on XXXX XXXX. post marked XXXX XXXX saying it was n't enough money. He called the company on XXXX and they apologized and could n't give us any explanation as to why the check was returned and told us to wire them the funds due to time restraint! I wired the funds yesterday at XXXX my husband called today and XXXX said that he was manually entering the funds to our account to call him back within the hour! My husband called and they said it was n't enough funds that we need XXXX then went to XXXX! XXXX would n't speak with my husband, my husband asked for a supervisor and was placed on hold for 15mins and then they told him that the supervisor would have to call him back! I have never in my life dealt with a company like this!

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 2016-03-28
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a judgment placed on me in XXXX of 2012 by XXXX apartment complex for an eviction in the amount of XXXX plus XXXX in court fees. I have been trying to pay this judgment to the apartment complex that placed it as I was advised to do the the judge 's office over this case. The apartment complex added XXXX in additional fees on my account after the judgment was set in place and then sent my account to collections with Hunter Warfield that now has a total of XXXX. I contacted the judges office that granted the judgement and they stated I am only required to pay the judgment amount of XXXX plus XXXX in court fees. And that the apartments do not have the right to add charges after the judgment was placed. All charges due should have been brought to court when we went. I am trying to pay this judgment and they have refused my payment because of the incorrect balance they are reporting on my account. My rights under the FDCPA have been violated. 
( 1 ) Contacting me at my place of employment despite receiving verbal notice from me that I am not allowed to accept such calls at work. After I stated this to the customer rep and provided her with my cell number she called me right back at my place of employment the same day ; FDCPA 15 U.S.C. 1692c states : Under the Fair Debt Collection Practices Act, a debt collector CAN NOT call the consumer 's place of employment if they have been advised that calls can not be accepted at work. 

( 2 ) Using rude and a hostile tone by the manager I was transferred to after requesting a copy of the itemized of the debt in question because the customer rep state she could not provide me with that information, the manager stated he submitted the information to be mailed to me and I still have not received a copy of the itemized statement for these charges on this account that was requested a month ago ; FDCPA 15 U.S.C. 1692d states Under the Fair Debt Collection Practices Act, a debt collector CAN NOT Use any profane language or any language that is harassing and abusive FDCPA 15 U.S.C. 1692d states Under the Fair Debt Collection Practices Act, a debt collector CAN NOT Engage in any conduct, the natural consequence of which is to harass abuse or oppress. 

( 3 ) Continuing to report to all XXXX credit bureaus an incorrect balance owed of {$4500.00} after I provided a copy of my court judgment for this account stating I actually owe {$1800.00}. 
FDCPA 15 U.S.C. 1692e states Under the Fair Debt Collection Practices Act, a debt collector CAN NOT Send false information to the credit bureaus

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Experian Information Solutions Inc.
State: NY
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 REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

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: WSFS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX as trustee for XXXX 2015 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX,, XXXX PA, XXXX XXXX. 
ILigally foreclosed our homes d trying to evict us. 
No standing, don't own the note, we watched the mortgage, they have vomited federal crimes to steal our home.

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 2022-05-21
Company: Early Warning Services, LLC
State: GA
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:
On XX/XX/XXXX XXXX XXXXXXXX XXXX charged off my account due to the negative balance status. I have been unemployed and experiencing hardships since XX/XX/XXXX due to the XXXX pandemic. 

On XX/XX/XXXX XXXX XXXX XXXX submitted information to Early Warning and XXXX XXXX claiming that my account was closed due to Account Abuse. I never abused my XXXX XXXX XXXX account - I was experiencing long term unemployment, XXXX and a total loss of my income as a result. I filed a claims related to a {$400.00} charge that appeared on my account. I followed XXXX XXXX policies and procedures for filing a claim and they refused to investigate it as they stated their policies did not allow them to investigate claims related to peer to peer financial transactions. 

On XX/XX/XXXX, I attempted to open XXXX checking accounts - XXXX XXXX  and XXXX XXXX and was denied a checking account based on the information reported by XXXX XXXX XXXX to Early Warning and XXXX XXXX. 

XXXX XXXX XXXX 's errors has caused adverse actions to be taken against me ; I was denied XXXX checking account opportunities and the opportunity to establish a new relationship with another financial institution. XXXX XXXX XXXX ' actions also caused me extreme public humiliation and embarrassment as I was turned down by these banks and had to suffer during and after conversation. 

Finally, I believe XXXX XXXX XXXX  's actions toward me are malicious, deliberate, and well defined against XXXX American consumers who seek to pursue justice in a court of law. XXXX XXXX 's action against me violated my rights under the XXXX XXXX and XXXX XXXX because they willfully and intentionally reported erroneous information that has caused other financial institutions to make adverse decisions against me. This matter has prevented me from moving forward with securing a checking account with a major bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: KEYCORP
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a new Key XXXX Checking account because of the promotional bonus being offered to new customers. The stimulations were as follows : Make XXXX direct deposit of {$500.00} at the minimum within 60 days after account opening. Direct deposit transactions are limited to payroll, Social Security, pension and government benefits. Limit XXXX gift per qualifying account. Limit XXXX gift per individual. The value of your gift will be reported on Form XXXX. Your gift will be deposited into your account within 90 days of meeting requirements. If you close your Account within 180 days of account opening, you will be charged a {$25.00} account early closure fee. You had to open the checking account with a minimum of {$50.00}. No problem, I have a great job and thought it will be easy to meet the 60 day deadline. Then I got into a automobile accident! I sustained a XXXX and as a result have been unable to work, my doctor has n't even cleared me to drive. Now obviously I wo n't be able to get a direct payroll deposit into my new checking account since I 'm not working. I thought that would n't be a problem, surely Key Bank will understand that an unforeseeable circumstance with my healthcare providers documentation should mandate a workable solution, right? No, Key Bank absolutely wo n't budge. I offered to transfer the {$500.00} from my primary bank account in order to fulfill Key 's requirement but they said they ca n't. I have worked XXXX a number of years and bad things happen, it is Key Banks job and responsibility to see that I am taken care of as their customer without us little guys they 'd be out of business. I further asked that if no resolution could be made that they refund my {$50.00} that I initially deposited to open the account without a penalty charge {$25.00}. They refused. I ONLY opened the XXXX Checking Account because of Key 's {$200.00} sign up bonus, it 's a great deal who does n't want a bonus. But all the bonuses in the world ca n't buy good business practices. They wo n't buy honesty, integrity or standing behind your word, your people, your brand, your company. By not having good customer service and representation a company is robbing itself of the very essential component ( s ) to keeping its doors open. And customer service without representation is empty.

Company response to consumer: Closed with monetary relief