BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-26
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
Without my knowledge, my Macy 's account was tied to a separate American Express account. When I paid to the account number on my Macy 's credit card, which cleared, I was unaware I was paying to a XXXX balance American Express account, and not to my " Macy 's '' balance. Over the course of many months, I tried to reconcile this online, through the Macy 's website, but every time I tried to log in during the spring, summer and fall of 2015, I was told the site was " temporarily down. '' I called the number on the account at least 2 times and was unable to speak to someone who could tell me what was going on. Finally, after receiving a check from MACYS ( aka American Express ), for overpayment, the same month I received an invoice for slightly more ( due to the large missed payment fees ), I managed to get a call through to someone who understood what was happening and could explain where to pay. 
Last month I paid the full balance, and was told by the customer service rep that there would be no further charges. Then I received a bill for XXXX , apparently for some sort of balance fee, which I do n't understand. I paid that, but somehow it was mixed up again, and did n't post ( I have the bank statement to proove it ), and then received a XXXX $ bill for not paying the XXXX XXXX 
I have recently spoken with Macy 's and been assured that I have paid the XXXX $ balance, and they also told me my account was closed ... why I do n't know. That is fine, I wanted to close it anyway, but I 'm not sure if that type of closure affects my credit score.

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 2020-03-31
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/XXXX Citi Cards Customer Service Box XXXX XXXX XXXX, SD XXXX Re : Account XXXX XXXX XXXX XXXX Gentlemen : In a telephone conversation with your agent on XX/XX/XXXX, I disputed a late charge which appeared to be waived, but was subsequently reapplied together with interest charges to my account. I normally pay my account two days prior to Citis due date and confirmed that the payment in question had been issued by my credit union timely. 

Subsequent statements indicated more fees and charges based on that same event. I disputed the reapplication and additional fees in a subsequent telephone call, however your representative declined to remove the fees and rudely told me to post payments four to five days earlier so Citi had adequate time to process them. 

I shall not allow Citi to apply fees and charges due to its inefficiencies and, as stated to that representative I shall not waste my time to speaking to rude personnel. 

I paid all current charges cited on subsequent statements, but not fees and charges. I demand said fees and charges be reversed and the account returned to a XXXX  balance. I shall not use the account until such is done. Should Citi refuse to do so, please close the account and note it was done at my request.

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 2016-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a home loan through Bank Of America since i have all my business and personal accounts with them. This mortgage process was started approximately 6 months ago. My specialist, XXXX XXXX, was very difficult to deal with and on multiple occassions would not reply for days to emails or phone calls. I stayed patient and after sending all required documents received a pre-qualification for a conventional loan of {$110000.00}. After i received the letter i began my search for a new home. After finding a new home that was within my budget i entered into an agreement on said property. The process was difficult and the seller would not budge on the price. I contacted XXXX and relayed that we may have to terminate the contract, but to wait for 48 hours as we might be able to come to an agreement. She agreed and the following day the sellers decided to reduce the price. I contacted XXXX and my realtor gave documents related to the price change. However, we found out that she deleted all of the documents given to her for the past few months. Yet, i stayed patient and resent all documents. Inspection and appraisal complete on the property, i contacted her once more. This time she demanded i send her XXXX tax reports for my business and personal or she would terminate my contract. I quickly contacted my accountant who informed me that my XXXX tax documents had an extension and wernt needed as my approval was given before these tax documents were needed. She quickly changed her tone after talking to my accountant and requested other documents from my accountant, which he gave to her in a timely manner. My last day for due diligence on the property i was purchasing was XXXX/XXXX/XXXX. For the past 2 days before this period ended i tried contacting her through email and phone multiple times to no prevail. On the last day she contacted me to let me know they had terminated my loan for no exact reason. I dealt with incompetence for months on end, sending and resending the same documents, handling all information as fast as i could while there was absolutely no transparency from the lender. i have retained all email conversations from her as evidence of incompetence. Days going on with no reply, no reply or calls back from either her work number or personal number. This experience has been one of the worst in my life and wasted 6 months of my time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
someone unknown filed an illegal garnishment through social services. I am Mr. XXXX XXXX XXXX and the person or persons filed a illegal document that garnished my settlements from Wells Fargo bank XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX there is no power of attorney over me I suppose to receive 100 % of all income settlements inheritance and and all the money under my social security number they are forwarding my mail unauthorized and have no legal rights to my income or any financial money under my name they are breaking the law i havent received any in the last 5 years and further back Wells Fargo has the evidence I am trying to gain my financial independence I am single my only child is an adult these people are fileing faulse positions and telling lies Im trying to get them arrested and get a retrieval of all my income dating back at least 7 years I havent received any not even a tax return

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: Oklahoma Student Loan Authority
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I received my new disclosure and was Approved by case teams a Second Time.

The school and the Servicer is still refusing to give me my loan even after it was approved again this Friday. They are illegally denying me my federal aid under federal aid programs after, receiving my 2nd Approval again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2014 CREDIT ACCEPTANCE CORPORATION USED ABUSIVE ACTS AND MISLEADING ACTS TO COLLECT A PAID DEBT THE DEBT WAS PAID IN FULL AT THE TIME OF THE CONSUMER TRANSACTION USING MY SOICAL SERCURITY CARD GIVIEN TO ME BY CONGRESS, WHEN A FINANCE CHARGE IS REQUIRED IT IS THE SUM OF ALL PAYMENTS

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 2016-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America AGAIN ... .for the past year BOA has been either saying I did n't submit a payment ( when they credited MY payment to someone else 's account ) ... telling me they sold my mortgage ... then telling me did n't sell my mortgage .... telling me my payments were late ( when they were n't ) ... and the latest That I applied for some kind of LOAN. I have NOT applied for new loan ... modification or any other program Bank of America has. This is the continuation of the tactics they are using to confuse consumers or coral them into a program or loan that they did n't apply for.This bank needs to be made accountable. If they keep HARASSING me I am going to file a law suit for discrimination. ( age, race, gender )

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 2017-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On  XXXX   XXXX , I notice Bank of America charged me {$1000.00} again on my credit card. I thought this issue was resolved. I lifted the stop payment on check #  XXXX  so Bank of America can cash the check. Unfortunately they keep charging me with {$1000.00} every time I speak to them. I never get anywhere with them. They dance around the issue when I asked what happened to my money. They do n't want to admit wrong doing.     On  XXXX   XXXX , I spoke with  XXXX . He started to laugh at me instead of trying to resolve the problem. I spoke with his manager,  XXXX . He said I need to lift the stop payment. I asked him to repeat that it. He refused because he did not want me to know how to handle the issue.     They sent a general letter to me but DID NOT ADDRESS the issue. Bank of America did not resolve the issue. Bank of America said they did not do anything wrong. I disagree. I paid another {$840.00}. plus change to ease my credit card. They stole my money and refuse to give it 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 monetary relief
Consumer complaint received 2021-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am disputing inquiries from Transunion on my personal credit report that I did not recognize. 
Please find the following : Notice of recent dispute to Transunion under the FCRA. 
Copies of items I am disputing and do not recognize. 
Notice of identity theft report/ notice. 
Cooy if my identification

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 2017-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My account was at a XXXX balance. A charge of XXXX was approved even though it should have been declined and i got charged XXXX dollars in overdraft fess. I am ok with paying XXXX of the late fees but i feel paying XXXX dollars is excessive for a XXXX charge

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 2016-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX XXXX, I was discharged from a bankruptcy. I had paid throughout the bankruptcy my 1st mortgage and HELOC with Bank of America. During the bankruptcy I received statements on XXXX mortgage, but not on HELOC. Even after the discharge, statements never resumed. I was never notified and even to this date notified of how much my payments are, the due date and any delinquency. I never received any type of information regarding my status on this account. In XXXX XXXX, I received an Intent to Accelerate Payments. At this time I contacted the bank and inquired about modification. I recently was serviced foreclosure papers XXXX XXXX. This is the first contact I have received from Bank of America since XXXX XXXX regarding status. Bank of America has been in violation and noncompliance of Periodic statement ( XXXX ). I inquired to representatives about why I was never provided with earlier notification and was told that if I do n't make a payment - I do n't get a statement. How do I know that the status of my account if there is not communication with Bank of America. I initiate a modification assessment and have been mislead by Loan Modification department by representatives, who would tell me to hold on and not do anything. i trust them, as they are the experts. I am now finding myself in situation where I could lose my home. I was never given any notice on status of account or provided with any statements. How can I pay on an account if I have no notification, information on who to contact or even a number. My compliant is Bank of America has violated XXXX XXXX XXXX XXXX XXXX that was in affect XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-31
Company: REGIONS FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I transferred 3 wire and ACH bank transfers into my Regions bank checking account from 2 different external bank accounts. Regions only gave me 1 out of 3 transfers : 1 was for XXXX $ a wire-this was received. 
1 was for XXXX $ an ACH transfer- which takes 1 day- never received 1 was for XXXX $ an ACH transfer- which takes 1 day- never received. 

The bank did not handle the disbursed funds as instructed as they were never received. 
I wasnt the XXXX $ they NOW owe 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 2016-03-07
Company: Southwest Credit Systems, L.P.
State: MS
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:
My wife and I had XXXX internet for several years. We initially bought our modem when we began our service. We moved XX/XX/2015. XXXX XXXX XXXX send us a new modem that we did not need. The technician came to set up our new service and told us we needed to ship the new modem back. We kept the modem that we bought. XXXX XXXX XXXX at that point began charging us a rental fee each month even though we returned the modem. XX/XX/2015, we moved again and at that point ended our service with XXXX XXXX XXXX. We got a final bill saying that we owed them for the modem we were renting. Even though we sent it back. An XXXX XXXX XXXX representative reviewed our account and said that we were actually owed a refund for the rental charge they had been charging us monthly and we were wrongly charged for the non returned modem. They sent us a refund check. Weeks after this, we were still receiving a check saying that we owed approximately {$130.00} for the non returned modem and would be turned over to collections. At that point, I called XXXX XXXX XXXX back and another representative reviewed our account and admitted we were wrongly charged and this would be taken care. We kept receiving letters. I have been on the phone with XXXX XXXX XXXX over 4 times. We now have a collection agency calling us. We worked hard to get our credit scores above XXXX and this has really hurt us.

Company response to consumer: Closed
Consumer complaint received 2017-05-20
Company: Diversified Consultants, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
some guy name  XXXX   XXXX   XXXX  kept pretending to be me I do not know who this individual is.          XXXX  account reported on  XXXX   XXXX ,  XXXX  This agency did not report an open account to this bureau.   Open Account #  XXXX  {$1600.00} Balance  XXXX   XXXX  Creditor {$1600.00} High Balance  XXXX   XXXX ,  XXXX  Opened Date  XXXX   XXXX ,  XXXX  Last Reported Individual Account.   Responsibility -- Remarks Note

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: GLOBAL PAYMENTS DIRECT INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Always Directed to a voice-mail through automated system and Employees in non complaint services like sales.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, 2015, I received a phone call from my Bank of America case representative in regards to my complaint about receiving an incorrect XXXX tax form. The Rep XXXX XXXX stated that BOA reviewed my interest payments and my XX/XX/XXXX XXXX form was indeed correct. I told her she has been misinformed and she was incorrect. She kept going on about a partial claim which has nothing to do with interest paid. She advised me to wait on the paperwork she was sending via mail with the breakdown. However, I informed her I already received a breakdown from BOA regarding my payment and interest transactions on XX/XX/XXXX. In that document it shows each monthly payment and interest paid for XX/XX/XXXX which totaled in {$10000.00} of interest paid for XX/XX/XXXX. Now if this document was sent to me by BOA themselves, then how are they now contradicting themselves and saying the original XXXX of $ XXXX is correct? 

Instead of the representative listening to me and awknowledging the fact that i didnt need to waste time waiting another week or more since I already received a breakdown from BOA, she just totallly dismissed me. I 've attached the interest breakdown from BOA 's own documentation they sent me from the cited case number as well as the incorrect XXXX form. This needs to be taken care of immediately as it ia almost the deadline for taxes and I have been dealing with this since early XX/XX/XXXX!! 

In addition to this matter, I have not heard anything on my dispute of the cited case number regarding the " missing payments '' that BOA XXXX XXXX, on behalf of XXXX XXXX stated the cited case numbers response to me. I supplied documentation prooving that I never missed a mortgage payment except when BOA directed me to. I have attached those documents as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-27
Company: Arbor Residential Mortgage LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have submitted almost all of the documents to Seneca, spoken to their representatives and have explained why some documents are not in accessible, to no avail they have denied my request for a modification and have informed me I will need to resubmit everything again. 
I feel this is a stall tactic for reasons I do not understand.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: MoneyLion Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
i don't normally check my bank account individual transactions, as I never use my bank account to pay for anything but bills. Recently however, I did check it, and I noticed this withdrawal from MoneyLion, and I don't know what it is. I went to the website, and I've never heard of it, nor have I ever used a quick cash advance app or service ( that's what it looks like ). I did not see a way to contact them on the website, and I XXXX  " MoneyLion withdrawing money from my account '' and I got a XXXX XXXX saying to use the consumer finance process, so I am here. I looked at my statements, and it looks like they've been charging me monthly fees, for a product I've never consented to pay for, since at least XX/XX/2021! 
I am attatching my most current statement balance, as well as the earliest statement balance I could find that has this fraudulent charge ( XX/XX/2021 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
On XX/XX/2020, Experian emailed me a notice that 3 GOOD things happened to my credit and when I checked my score they ( EXPERIAN ) had decrease my credit score by 3 points. The 3 GOOD things that happened are 1 ) The credit limit on one of my accounts INCREASES. 2 ) The credit balance on one of my accounts DECREASED. and 3 ) The credit usage on one of my accounts DECREASED - All GOOD things to improve my credit score, however Experian DECREASED my score by 3 points. 

Previously on XX/XX/XXXX Experian reported my score to be 3 points higher.

I can not find any means to contact this company about my scoring of my credit.

I seriously have my doubts about the accuracy of their credit scoring and wonder if it is a scam so that they can sell their services to increase credit scores.

I believe the government should look into the practices of these reporting agencies which have become just another marketing scam.

I have my doubts if I can ever increase my credit score under these types of practices.

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