BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been told that the Government has now initiated a new program for extending mortgages due to the Coronavirus situation. Supposedly the banks will extend mortgages for up to a year. We have a current mortgage with Bank of America for one of our rental units. We would like to extend this mortgage for at least 90 days because we do not want to be caught in a bind. It looks like more and more states are not allowing eviction for non-payment of rents. If this were to happen to us we would not be able to pay the mortgage on this property. 
We have called Bank of America on XX/XX/20, XX/XX/20 and XX/XX/20 and we were placed on hold for over 2 hours and the call just drops. This repeats no matter how many times we call.

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 2015-09-23
Company: Joseph M. Tobin, PC
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
We have a court order to remit {$35.00} per week to a law office on behalf of XXXX XXXX XXXX for a line of credit we had with them that we admitedly defaulted on due to being laid off and having XXXX medical issues. We have set up the weekly payment with our bank so that a check is automatically mailed every week. Regularly this debt collector holds checks for months and then cashes them all at once which is no problem as this checking account is only for this purpose. On several occasions, the debt collector has become impatient and has submitted a bank execution against us fraudulently - which we have even been to court on and had the court tell them to refund the amount of execution. Now they have sent us a form that they wish us to tell them about all our assets in hopes that they can escalate the payment of the amount we owe. We already filled out that form last year and nothing has changed so we are choosing not to fill in the form because as soon as we did last time, they drained all of our bank accounts for over {$6000.00} and then randomly drained them over and over throughout the year. We electronically pay on time every week without fail and they keep bank executing us to drain all of our accounts which has now caused us to go into default on our mortgage because money we had saved to pay our monthly mortgage payment has been executed for this debt collector. Also, when they bank executed us the marshal who " served '' us was permitted to keep XXXX of the amount executed for services rendered so in actuality, they bank executed us but our debt owed only went down a very small percentage once fees and interest were taken from that execution after the marshal took their cut.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: BlueChip Financial
State: OH
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I sent the following email on XXXX : On XXXX/XXXX/XXXX I borrowed {$400.00}. To date, I have paid {$660.00} for this loan. I recently had XXXX the XXXX and was off work for 2 weeks with no income. Since coming back to work from XXXX, I 've been experiencing less hours and thus less pay. It is becoming a real hardship for me to have $ XXXX taken out every pay. I 've already paid back the {$400.00} and then some. 

Since XXXX XXXX, I have borrowed approximately {$1200.00} and paid back approximately {$1800.00}, not including this current loan. This included sending in money orders. I have been a good customer and never defaulted. 

I asked if they would consider marking this load paid in full. Their response on XXXX : Unfortunately, you do not qualify for a settlement at this time. 

Your current Spotloan payment schedule is at our maximum duration. We are unable to lower your regular payments any further by extending your payment schedule. 

For either a half payment on each payment due date or a single payment per month, we can offer the following choice : Turning off your automatic drafts and mailing in whichever option you prefer in the form of a check or money order. That way you will not have to call in two business days before every payment to set up your arrangement. Please let us know if this works at least two business days in advance of your XXXX XXXX payment of {$73.00}. 

I stopped automatic drafts from my account and was planning to send {$40.00} every payday. Their response : Thanks for contacting me. I 've updated your account records to show that you have declined automatic payments from your bank account. 

You can also mail checks and money orders to : Spotloan XXXX XXXX XXXX XXXX, IL XXXX Account Number : XXXX As a friendly reminder, your next payment of {$73.00} is due on Wednesday, XXXX XXXX. 

When making smaller payments than what is scheduled, as a friendly reminder does accrue additional interest meaning you will extend out the life of the loan to a further duration. 

I still was not able to make a payment on XXXX XXXX, even {$40.00} without severely compromising my financial situation. Now the loan balance is {$450.00}. 

I do n't even think this loan is legal in my state of Ohio. 

They advertise that you pay down the principal with every payment. They advertise on their website : When you use a Spotloan instead of a typical online payday loan, you can save as much as 50 %. There 's no nickel-and-diming with fees, no balloon payments, and no surprises. I have n't found this to be the case, even making my payments as scheduled. They never give you an itemized statement of payments and how payments were applied. 

I also found it strange that there are 2 addresses for this company, one in Illinois and one in North Dakota.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I opene d a Business Build-to-Order Checking account at BBVA Compass i n   XX/XX/XXXX .  I have the original paperwork and it clearly states there are no service charges. I received a letter in   XX/XX/XXXX  th at also confirms there are no service charges.     In   XX/XX/XXXX  , I received a statement dated   XX/XX/XXXX , i ndicating that a $  XXXX  monthly service charge was removed from my account. This was the first letter regarding the account since   XX/XX/XXXX .  The statement describes the account as " CLEARCHOICE FOR BUSINESS ''.     After making a few phone calls, I learned  that BBVA Compass ha s been taking {$15.00} a month from my account for years, totalling at least {$450.00}.     I have been trying for  two weeks to get a statement showing the total amount that was taken from my account, and to get BBVA Compass to  return the money to me. The first week resulted in a branch manager,  XXXX   XXXX , returning 3 months in fees and telling me that was all he could do.     Last week I was directed to communicate with  XXXX   XXXX   at BBVA Compass re garding this issue. Wednesday ,  XX/XX/XXXX ,  I sent her an email requesting an itemized list of fees taken from my account and a refund for that amount. I have not received any communications from  XXXX   XXXX , as of   XX/XX/XXXX ,  other than answering my phone call to confirm she received my email request.     I also aske d BBVA Compass  who changed my account, when it was changed, why it was changed, and why I was not notified of the change. My address and phone number have not changed since opening both accounts. I have also received emails fro m BBVA Compass, b ut never a statement showing these fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
PennyMac received all my completed documentation package prior to 37 days window of foreclosure. They are dual tracking! Declined Buyer offer without counter and continue to process foreclosure. Buyer in good faith has raised offer. PennyMac Buyer offer is very close to XXXX price. PennyMac to put simply is dual tracking and fails to negotiate in good faith ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-19
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I contacted Cavalry on XXXX XXXX, 2016 that the debt was resolved with the orginal creditor, XXXX. XXXX also removed the debt off my credit report and send me a letter. I called Cavalry and recorded the conversation with the Supervisor XXXX. Which he started that they will not contact me anymore. But now I get a letter from a lawyer on behalf of Cavalry stating if I request verification a copy of a judgement will be sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My dad under the emergency contact was called. I was told I was being looked for. That they needed location information on me. I thought at XXXX I was in legal trouble. It come to find out the XXXX Store contacted a collection agency called National Credit Adjusters at XXXX. I did not know military and their dependents are not allowed payday loans. That was not found out until a year after the payday loan. I was never asked the question if I were or not. I am not for sure of TX laws on that. As well I did not know a payday loan could send you to an collection agency. I was told could settle for {$470.00} I would have to start payments right away. That the company is not willing to wait any longer. I told the lady over the phone their not my XXXX priority to even pay I have other bills to pay that are more important right now. I did agree to XXXX every two weeks. I am starting to regret this agreement because I felt rush. At the time of the payments I was making only {$500.00} a month at my job. The total payday loan including interest was {$610.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX is reporting an incorrect status on my account. I fell back behind on payments a few years ago. Since then I have been making my payments on time with no problems. However, the way that they are reporting on my credit is causing me problems. I have not had any issues and ask that you please update my account to show " current, or paid as agreed '' and remove the repo code on it. It is not a repo and I have been making payments on time for the past couple of years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Ban k of American  offered a  XXXX  signature credit card in connection with   XXXX    XXXX . As part of the inducement to apply they offered  XXXX  bonus miles and a companion ticket for the cost of the taxes and fees associated with the fare of the ticket. They offered apply now and book your travel immediately. This is not true. Although I was immediately approved for the card and immediately made the required purchases, when I received the actual card an " insert '' stated that the miles and the companion ticket would not be issued for up to  two  more billing cycles.   I would not have filled out the application nor would I have used this card had I known I would not be able to travel within the very near future. " We look forward to traveling with you soon '' is not exactly what they mean. Applying now and if you 're instantly approved- you can book your next flight immediately " is a lie. " Buy  XXXX  ticket, and get  XXXX  for just the taxes and fees from just {$22.00} after you make {$1000.00} or more in purchaes within the first 90 days '' is another lie.

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 2017-05-24
Company: BB&T CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Two of my accounts at BB & T ( one checking, one savings ) were fraudulently accessed by an unknown person ( s ) with access to my SS number and my previous name ( I am divorced and took my maiden name back 7 years ago ). They also set up a new account online at both XXXX XXXX and XXXX XXXX in my previous name and SS # and after transferring trial credits and debits between my account and their new accounts at XXXX XXXX and XXXX XXXX,  proceeded to transfer {$12000.00} in installments into the XXXX account. They also changed my email address on my profile at BB & T so I did not receive any emails regarding the transferred funds. The XXXX account was openedXX/XX/XXXX and closedXX/XX/XXXX. The account at XXXX XXXX was opened/closed within days betweenXX/XX/XXXX and XX/XX/XXXXand except for the trial credits/debits, had no activity. In addition to lost interest due to my BB & T balances being lowered due to the money transfers, I have lost {$12000.00} plus {$12.00} in bank charges for four separate transfers totaling XXXX ( {$5000.00}, {$5000.00}, {$2000.00}, and {$500.00} ), as well as {$7.00} for certified mail to file a fraud alert with the FTC. BB & T has denied my claim of identity theft and have advised me that the funds were transferred to an account that was opened in my name and SS #. XXXX XXXX is telling me that they are not responsible for my loss and it is BB & Ts responsibility. XXXX XXXX has approved my claim but I never lost any money to that bank.

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 2022-09-15
Company: A.R.M. Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Over the course of a year, beginning XX/XX/2021, XXXX XXXX XXXX XXXX XXXX  has requested payment for debt already paid. Based on the attached document, we have gathered email threads indicating proof of payment for these services that were sent to the XXXX and additionally noted false claims from the XXXX. The XXXX has sent us to collections without notifying us after we have responded to all emails to clear their accounting errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$18000.00}, on the US DEPT ED partial account number XXXX. XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$42000.00} on the US DEPT ED partial account number XXXX. ( Please see pages attached from my credit report. ) These loans have been consolidated and I have been making on-time monthly payments to these accounts and the amounts being reported are inaccurate and the lates that are reporting are completely false. I have made ( 3 ) consecutive on-time monthly payments and therefore these accounts should not be reporting at all. I have attached a copy of the consolidation paperwork dated XXXX for reference. These line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2022-09-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been requesting proof that the debt is mine I been provided with a letter to a XXXX XXXX here is case law and proof that I have been in prison since XXXX so who ever u was communicating with was obviously not me and that was public record a proper investigation would have should that I was in prison the time u supposedly was mailing me letters and thats clearly indication of your un ethical practice and a letter telling me u will not conduct any more investigation when I am clearly showing u that its obvious u did not communicate with me In XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: ONLINE Information Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I am not familiar with this company and do not understand why they are on my credit. These inquires effect my credit in a negative way. I would like them to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I was closing on a house and waiting on wire transfer instructions from my attorneys office. I sent two transactions for a total of XXXX to XXXX XXXX in a Wells Fargo account. On XX/XX/2021 I was called into my attorneys office to review the wiring instructions and after reviewing said instructions it was brought to my attention that the wire instructions were fraudulent. We immediately noticed XXXX bank and XXXX XXXX and reported the scam. Several days later XXXX Bank informed me that my money was being held in a frozen account in Wells Fargo and that the scammer never got a single XXXX. XXXX XXXXXXXX and XXXX bank have been working tirelessly trying to recall my money, to no avail. Wells Fargo hasnt replied to any messages or phone calls from my banks since the beginning of this incident.

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 2015-06-09
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV
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 was a cosigner for the rent of this apartment and my ex wife was living there and she was the owner of the contract and I was checking my credit and appears under my name only it says individual account,, and this account is not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were several accounts open under my name. It is a real upsetting situation that this has happen to me and the amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to us.

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 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, IL XX/XX/2021 XXXX/XXXX  XXXX Balance : {$1400.00}

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 2022-09-05
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
XXXX is not my address i never lived their i corrected this with XXXX XXXX  they said they mail something in to experian to fix it XXXX is not my address XXXX is not my address

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