BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-05
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This incident started with the sale of a used home oil furnace that was listed on XXXX and XXXX marketplace. I was contacted on XX/XX/2020 from the XXXX ad to purchase the furnace. The initial email used the domain with " electricalservices '' to make me think this was legitimate, but later was changed to regular gmail account during the email thread. After an agreement of the price of {$870.00} plus {$70.00} extra for the moving service, the seller asked for me to remove the listing as the seller made arrangements to get the cashier 's check sent. On XX/XX/XXXX, the check arrived for the amount of {$2900.00}, which was supposedly for paying the movers for the seller 's other properties. The check was deposited Chase mobile banking and I waited for the funds to be removed from its pending status. On XX/XX/XXXX, the status was no longer pending and part of the funds ( {$2000.00} ) was sent via XXXX ( Chase Bank 's electronic money sending service ) to another email the seller provided. The seller then backed out due to a death in their family and no longer was interested in the purchase of the furnace. The remainder of the money ( {$900.00} ) was sent to the same email for the thought that this was " dirty '' money and I did not want it in my bank account. The same day, I contacted the local police to begin their investigation ( case # XXXX ). On XX/XX/XXXX, the check was returned due to being deemed altered / fictitious. With the police reaching a dead-end in their recovery search, I am without the {$2900.00} in my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Bank of America ( BAC ) sold accounts to XXXX XXXX. My accounts were part of the sale. I chose to go with a different bank. I called XXXX on XXXX/XXXX/15 and requested closure of XXXX checking accounts, XXXX money market accounts ( MMA ) and XXXX visa. Accounts were closed immediately for all but XXXX MMA. They said because it was over {$20000.00} it had to go to the Back Office for closure and would take about XXXX business days. On XXXX XXXX I received a letter ( it was dated XXXX XXXX ) from BAC saying I needed to sign and have notarized an authorization form to close the account ( BAC Reference # XXXX ). Same day ( XXXX XXXX ) I signed, had it notarized and deposited in the mailbox ( in an envelope provided by BAC ). The following Tuesday or Wednesday ( XXXX XXXX or XXXX ) I called to verify that the document was received and the account closure was in progress. They could not verify that it was received but said the account closure was not in progress. I offered to scan and send a copy of the form. They said they could n't close the account off of a copy. I was also told it may take a couple of days to process the request once received. I called back again on XXXX XXXX and talked to a manager, XXXX, who said he went into the system and requested immediate closure ( BAC Reference # XXXX ). He said he did n't need to notarized document to do this. I called back on XXXX XXXX and was informed by a XXXX XXXX that the ticket was closed but the account was still open. No action was taken to close my account. I asked to speak to a higher level manager so that I could get my account closed and receive my money. XXXX XXXX said he would have his manager contact me. I have never been contacted. It is now XXXX business days from the original request to close ( XXXX XXXX to XXXX XXXX ) and my XXXX larger account is still not closed. All other accounts are closed. I was never provided checks for this account and there is not a Bank of America office where I live so I have no other way to get my funds and get my account closed except through this process. Had I known the issues I would be facing now I would have transferred most if not all of the funds to my checking account before requesting closure. It is my belief that Bank of America is stalling on closing this larger account so that it is transferred to XXXX XXXX and the portfolio of deposit accounts/relationships sold to XXXX XXXX remains higher than what it would have been if accounts are closed as requested. I suspect others may be experiencing the same issue that I am.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Medical Data Systems has ( 7 ) collections on my XXXX  report. I have e-mailed, called several times with no response on e-mail and just to be talked nasty to over the phone with false info. These are not my debts. I have called each hospital to confirm this. Medical Data Systems also violated my HIPAA rights. They gave info about each medical charge in detail of what they claim the collection is for. Also They have collections tied to my son on places he has never been before. They gave my personal info to my ex-wife when she called MDS once again violating my HIPAA rights. This will be the last form of communication before I seek legal help to have these 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 2022-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I called the bank of America my lender many times since XXXX, XXXX, XXXX and XXXX, every months asking them to modify my loan, lower my rate and lower my payments, so I can be able to continue the payments since my income is less due to Covid PANDEMIC, they completed the new application few times to modify my loan they told me I am qualify for modification, I should be getting a new package in 10 days, but for past few months I never get any new package from bank, I only get a bill with late fees, I requested help from mortgage relief to help me they told me bank of America is not participating to their program, so I can not get any help that I need. please help me to be able to use government agencies like mortgage relief and other sources and ask bank of America to modify my loan as I am qualifying by law for this modification. 
I need help. PLEASE HELP ME. 
Thanks,

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 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
These account are not mine which are listed in my attachments. I've been reaching out to the following companies. These things are completely affecting my scores.

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 2021-01-22
Company: EQUIFAX, INC.
State: NV
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:
All of these accounts are showing late and it's in no fault of my own. Please reverse these late charges on all of these accounts. I have great credit. Also due to CARES ACT, in no way should any of my accounts show any negative remarks. Please reverse them as none of these creditors care. 

100 Claims account deferred, 105 Disputes Dates of Last Payment/Opened/ of First Delinquency/Billing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: WELLS FARGO & COMPANY
State: CA
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:
XX/XX/2020. I begin noticing, during this pandemic, that I was having money taken from my accounts from different lenders, but also it was appearing Wells Fargo was taking advantage of those of us who do t check our statements often. 
I checked my statements for the past 9 months and have had to dispute fraud charges XXXX months .But recently Wells Fargo began charging me.a monthly service charge of XXXX, for the account which was stated in contract and verbally, that if you had direct deposit of more than XXXX you were exempt from service charges. 
I mentioned this to Wells Fargo and 4 such employees mentioned that the direct deposit had to be put in the checking account, not savings as I had been. 
I quickly Reminded then that the contract I signed said nothing of mandatory checking deposit .After hours on theogony and a visit to the branch manager, they removed the charges .I have been treated poorly, disrespectful, rushed by Wells Fargo employees throughout this process .Meanwhile XXXX has disappeared from my account.I kindly mentioned that I would be contacting more authoritative and skilled people to address these issues.

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 2022-08-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am filing this complaint because I see that Experian 's Privacy Policy states : We share your personal information with third parties you expressly authorize, consent to authorize, consent to, or direct us to share your information with. I did not provide Experian with any written authorization, consent or instructions to accept, furnish, or report information on my behalf

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 2020-08-05
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I want to know the amount to payoff my mortgage and the process to complete it but have been advised repeatedly that no one there can do it. I've spoken with Cust Service Reps/dates : XXXX ( XX/XX/XXXX ) ; XXXX ( XX/XX/XXXX ) ; XXXX ( XXXX ) and XXXX ( XXXX ) and have been advised by them all that they are unable to access my mortgage account to give me a payoff amount. I'm waiting for a call back from a supervisor ( day # 2 ) who I was already told will not be able to help me either.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: Brock & Scott, PLLC
State: GA
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I received a Notice to Foreclose on court house step for XXXX XXXX, XXXX. The notice is dated XXXX XXXX, XXXX from Brock & Scott PLLC. On XXXX XXXX, I sent a Dispute for the Foreclosure Notice requesting Brock & Scott PLLC to identity who they are, such as a holder in due course, a creditor, etc., and who authorized or gave them the authority to foreclosure along with a list of other questions I needed answered. Brock & Scott is a XXXX party debt collector and do n't have standing to foreclose. I asked for payoff information as well. On XXXX XXXX, XXXX, I received a copy of the security deed ( stamped original ) and a bad copy of the " Note '' and the accounting that I never asked for. None of the other questions were answered. Under the FDCPA it states foreclosures must be done in a judicial court. They are threating to sell my property on the courthouse steps on XXXX XXXX, XXXX. The lender listed on my paperwork is XXXX. XXXX did an assignment in XXXX to XXXX, but XXXX was bankrupt and no longer in existence in XXXX. How is that possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
Capital One Auto has been reporting on my account and I don't have an account with them. I have tried to call them and send letters to them about this account on my credit report. I disputed this with XXXX and it was removed on XXXX, 2021 but was put back on in XX/XX/2021. I never signed any documents with them nor is it in my name. The account is showing paid off but through collections so it is a derogatory. If this can not be removed plus get this out of derogatory on my credit profile. Hopefully this can be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: SIERRA PACIFIC MORTGAGE
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opted in for a forbearance with my mortgage company Sierra Pacific earlier this year due to COVID19 however, I NEVER stopped paying my month 's balance due and was never late. On XX/XX/2020 I requested to be taken off of forbearance under my account and credit reports. It has been over a month now and Sierra Pacific still has not notified the credit bureaus of this and it is heavily impacting my credit reporting. I have called them and asked to expedite and remove this however they are giving me the run around. It has been over a month and this continues to hurt my ability to take out new loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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:
On XX/XX/XXXX I received a phone call that came up on my phone, Bank of America.. I gave them all the information they asked for.. social, drivers license, debit card numbers. I looked at my bank account 2 days later.. their was 4 charges amounting to XXXXwhile I was on the phone my sister called me and said I just called your phone and somebody else answered and was giggling and they hung up.. my sister then called my wifes phone and said get off the phone its not boa. In fact my phone was hacked.. I called boa and filed a claim. A week later I received a letter from boa stateing, XXXX, unfortunately, were unable to approve your recent claim I reopened it XX/XX/XXXX and explained what had happened to me. I didnt hear anything back yet.

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 2022-09-15
Company: Freedom Mortgage Company
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was approved for HAF funds to help with past due back in XXXX and HAF confirmed funds sent to the Lender and lender keep saying they don't have it and my acct is getting further and further behind. Funds was confirmed to be cleared, cashed and received by mortgage company from HAF and my acct still reflect nothing. I have been calling every 3 days or every week and no help since XX/XX/XXXX. I started keeping track of people that I spoke with and was told give them 72hrs, week, 2 days, putting in a ticket, sending over to HAF ... .excuse after excuse and no help to updating my acct. Please help! XXXX my name is XXXX XXXX and address is XXXX XXXX XXXX XXXX XXXX, 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 explanation
Consumer complaint received 2016-04-19
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I notified American Express in writing that I discovered a fraudulent Amex credit card account reporting on my credit reports. I forwarded to Amex Fraud department police reports, identity theft affidavit, and my statement explaining what happened. A specialist at the Fraud department of American Express assured me that investigation was going to be conducted and I was going to receive documentation pertaining to the fraudulent account including a statement of charges, any forged contract documents to properly follow up on a dispute. American Express received my information on XXXX XXXX, 2016. To date, I have only received XXXX letter from American Express stating that investigation is in progress and I should receive the results very shortly. That letter was dated XXXX XXXX, 2016. I have called the fraud department several times requesting the promised documentation or any update on the investigation to no avail. 2 months and 10 days later, I have not received any documentation or communication from American Express about my dispute. If American Express had any documentation to verify the validity of the mentioned account, I am sure they would have forwarded it onto me. Amex needs to delete this account from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Rewards

Complaint:
In XXXX 2015 I applied for the XXXX XXXX XXXX Rewards Gold Credit Card. After nearly XXXX weeks of waiting I never received a credit card, and never activated a credit card via phone or americanexpress.com/activate. I was told on several occasions a card was being shipped to me only to find out XX/XX/XXXX, there were never any shipment created or tracking numbers in their system. At this point I cancelled my Everyday Cash Preferred card and told them I will not be activating any XXXX Gold Credit Card I received. 

XX/XX/XXXX, I was in search of another credit card and decided to try the XXXX Rewards Gold Credit card again, as there was a sign up bonus of XXXX XXXX ( XXXX Rewards points ) if you spent $ XXXX in three months. It was available to new/first time users of the XXXX XXXX Rewards Gold. I applied for the credit card and upon receiving my card, AND before activating it, I called XXXX XXXX to confirm if I would be elligible or not for the discount per my prior situation. If I was not, I was not going to use the credit card. The customer service agent said I was eligible for the card, as long as I met my spending. I asked the gentlemen are you certain and he said yes. 

Three weeks ago I e-chat XXXX XXXX to inquire if I met the spending limits and if the points were going to be granted to my account since I met the spending requirements. It was at this time the online agent told me I was not eligible for the discount due to previously having the card. I explained to them, that I applied for the card and never activated it due to several errors on XXXX part which ended up we me never receiving a credit card to use. The agent then said well you are not eligible and should have checked. At this point I explained that I called on the day I received the credit card to ensure I was eligible and the representative told me I was. After an hour of back and forth, they created a case for me with an indefinite amount of time to hear back. 

The credit card has a {$190.00} annual fee, which I am not comfortable with paying given this horrendous customer service. Nearly a month to investigate a simple issue is ridiculous, and not on par with their competitors namely XXXX and XXXX XXXX service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: LoanCare, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On at least XXXX occations I made a payment for my mortgage to LoanCare via their website and the payment was never ran. Because the payment did not run I was then charged a late fee and my credit report was damaged. I am requesting that my account be moved to good standing and my credit report corrected. Attached you will find the statement from XXXX NOT reflecting the payments and also you will find XXXX email confirmations showing the payments were made.

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 2020-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
After account was closed with no late payments. Company reported account as 30 days delinquent around XXXX. This resulted in a drop in my credit report. I spoke with a representative who informed me that I would have to dispute it with the credit reporting agency, which I did. This was corrected within 30 days or so. ( Screenshots attached ) Then in XXXX the same account was reported as delinquent and a charge off. I spoke with a manager in the lease end department On XX/XX/XXXXwho informed me this was in fact incorrect and an error on their end. However when I put in a dispute again with Transunion, the company informed Transunion this was accurate which it is not. I received these results today XXXX. This has dropped my credit score tremendously and the company is doing nothing about it when it was an error or their end. 

they also have my credit report stating my account was closed/settled less than full balance. This is in fact not true, I even received a {$22.00} refund from my security deposit. ( Attached as well ) This company has caused my score to drop tremendously and have yet to rectify their error.

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