BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I paid my XXXX  mortgage to the Bank of America Branch in my hometown. Last Tuesday ( XX/XX/XXXX ) I received a call from Bank of America. I did not answer it due to being at work, but I listened to the automated voicemail during lunch. I tried to reach someone on the number left ( didn't know why they called ) but didn't get anyone. I went through the prompts and found out that the last payment they have that they received from me was in XX/XX/XXXX. I called the bank immediately only to be told they could not see anything from their side. I was asked to come to the bank and bring my receipt. They couldn't find my payment from the receipt and asked to see a copy of the check I wrote. When given this information they located my payment on someone else 's account. Yes they paid someone else 's mortgage with my payment. They assured me they fixed it and I should see it by the end of the day. They even called to reassure me it was taken care of. The next day I received a call from a loan officer from the bank telling me that my payment was late and they needed it. I told her what happened and I was informed she didn't see it in her system. She said give it a day. On Friday I checked and still nothing. Also on Friday I found that the bank reported my missed ( but not missed ) payment to the credit bureau which dropped my score by 24 points. I have tried daily to get someone on the phone, but I can't get anything help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: NC
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 am a natural person, I am a living human being, I have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.XXXX XXXX is a fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Remitly, Inc.
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:
On XX/XX/2021, I received an email from a Merchant ( Remitly ) that there is a transaction in my account with them. My ( XXXX XXXX XXXX ) debit card was stored in there that is why i opened my online banking right away and noticed 3 transaction pending. I called my bank right away to notify them of the event and they were able to cancel 3 transaction which i did not authorize. I have attached here proof that i called them on that same time transaction happened. I also called the merchant ( Remitly ) and they were aware. Remitly costumer service or XXXX from their costumer protection team confirmed that the transaction was an unauthorized transaction by me.He told me that bank will return my money and that bank will charge Remitly fort he refund, so it is going to be between them. On XX/XX/2021 i received an email from XXXX  XXXX XXXX that they are unable to pay my claim coz of the reasons they have. I will also attached the note received from them. I called their costumer service on that same day, they re open the case and escalated the case. I asked them if they can update me as soon as possible and costumer service from XXXX  XXXX XXXX call again in 3 days. On XX/XX/2021, I called costumer service of Remitly ( XXXX ) and 3 way conversation with agent in XXXX  XXXX XXXX ( XXXX ). We had a very long conversation including remitly providing their email address so that the bank can contact them for anything they need for the case and XXXX verbally mentioned to XXXX that the Transaction was not authorized by me and that bank should initiate a conversation coz bank can not provide any email or update that they contacted the bank before denying my claim.XXXX  also mentioned that if possible Bank can CC me on anyemail but I have'nt received any email. On XX/XX/2021 I received an email from XXXX XXXX XXXX that they were still unable to pay. Called costumer service of XXXX on XX/XX/2021 and ask them if they were able to send any message to remitly but they can not give me information. and that they will re open the case again. I believed my case was not properly address. I have a proof that I contacted them same time i noticed the hacking and reported to them. I also visited the XXXX XXXX XXXX branch for help but instead they told me that " Thats why you do not use such remittances '' and that they can not help me bacause their research team can only be contacted trough phone call. Bank response to my claim says also that they did not receive the information they requested from me or it was incomplete but they never contacted me or initiate any communication with me. Please help me with my case. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
It was a computer glitch that was TransUnion 's problem not mines that caused your inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. These inquiries add a hardship and that my rights were violated by TransUnion.

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 2019-02-16
Company: EQUIFAX, 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 status incorrect

Complaint:
Credit Bureaus has not updated my account and I have attach copy as proof of payments been paid on time and current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-17
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I live in Oklahoma and due to Covid 19 lost my job in late XXXX. I began collecting unemployment benefits and requested the funds be direct deposited to my XXXX XXXX checking account. All was fine until a month ago when unexpectedly the direct deposit stopped and funds were simply loaded onto my Go Program debit card. In the past month I have phoned their customer service department at XXXX. The first time I spoke to a CSR they verified my bank account info and said my bank rejected the payment. I then phoned my bank and was assured my bank account info was accurate and the file showed no attempt of a deposit. I called Go Program a second time and was told the office temporarily halted direct deposit and suggested I phone back in a week for an uodate. On my third call the automated system warned me I would be charged a fee if I spoke to an agent more than 2 times in a 30 day period. I waited and spoke to a csr who stated something was wrong with my direct deposit. They didn't know what specifically or when I could expect resolution and suggested I phone back in a week. I placed my 4th call  on XX/XX/XXXX. This agent told me direct deposit was no longer being offered. I pressed her for explanations and details but she claimed to have no additional information and this issue affected everyone in my state on unemployment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: ME
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bay View Loan servicing is not posting my payments or sending me statements. They are sending past due notices when my payments are ahead of schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I filed a dispute with Bank of America regarding a service I did not receive. The complaint began on XX/XX/XXXX, and each time the response from the bank is the same. I have provided documentation that shows the business did not perform the service, and I stated that the complaint was regarding a service not received. In each response, the bank claims they reviewed the case, but will respond by denying the claim because " it is not a wrongful post to the account. '' I have provided documentation. I have asked for an explanation for the denial ( an explanation that would apply in this scenario ). I have asked if there is any addtional information that is needed. In every instance, I simply receive the same letter with the same resolve. The company will not do a complete review, and does not provide any resource to speak with a manager. I was told there were no managers in the dispute department. I have tried relentless to speak to management without any resolve. I have asked for clarification on this issue and I do not recieve it. I had my car serviced on XXXX/XXXX/2015 at XXXX in XXXX Florida. I paid XXXX for a fuel pump system. After the car was serviced, it stopped working two days later and had to be towed back to XXXX. XXXX kept my car for almost two weeks, and I was told the part that was put on was defective. Again, when the car was returned to me, the car stopped running a few days later and had to be towed. The car has not been fixed since its release date on XXXX/XXXX/2015. I notified Bank of America and filed a legitimate dispute. The response is " we do not find an error in the post to the account. '' I have received this response XXXX times and 120 days later, Bank of America 's dispute department has yet to clearly identify that my complaint/dispute is for a service that I did not receive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: EQUIFAX, 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:
THE FCRA states that any inaccurate or non factual information on a consumer credit report should be removed from the credit report. I have found non factual information listed on the following collection accounts and want these collection accounts removed from my credit report. FCRA also states that I can file a lawsuit for damages if laws are broken as well. Collection Accounts can not be considered OPEN accounts. XXXX XXXX XXXX  XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVEXXXX XXXX XXXX XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: DriveTime
State: GA
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 XXXX XXXX is being reported and it has an XXXX balance. This account need to be removed and updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Santander Consumer USA Holdings Inc.
State: GA
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 XXXX XXXX is being reported and it has an XXXX balance. This account need to be removed and updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I paid my bank {$25.00} on XXXX to stop payment on a check # XXXX and described the merchant " XXXX XXXX XXXX '' with the amount of check {$490.00}. My bank paid the check today disregarding my stop payment and insufficient funds in my account. Leaving me with insufficient fees of {$34.00} each for subsequent transactions pending in the account as well as the initial {$25.00} fee for the stop payment that did not hold up. My account overdrawn over {$500.00}. The response from the bank is obs-tenant and unsympathetic. They claim since my description of the check was of by some cents they paid the merchant anyway at their desecration? I would like to as the bank to pay all fees and return my funds since I strongly believe they acted in bad faith observing my account was in danger of overdraft if they paid the check and they would be able to bill me for several overdraft fees. I also advised the bank obtaining a refund from the merchant who was double paid this month is out of the question since it is not in their normal practice to do so. If the bank had researched the transactions on my account for my best interest as they are obligated to do, they would have seen this particular merchant had already been paid by ACH in excess of $ XXXX only 48 hours earlier ; thus prompting my stop payment. I sincerely believe no one checked my account prior to paying the check and Chase should be held liable for the full value of the check as well as all fees associated with the processing of the check and subsequent transactions affected. They have been my bank for over 10 years and they should value my business as much as larger customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-17
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced two mortgages with closing date XX/XX/20. 
I opted to lock within 10 days of closing. 
I learned after the fact that there was a 1/4 % discount available if one chose a 15 day lock. This was not disclosed to me. Had I known about it, I would have chosen the 15 day lock option to take advantage of the 1/4 % discount ... which in fact I did on 3 additional refinances I performed with Quicken in XXXX and XXXX of this year. 
Both the regional VP ( XXXX XXXX ) and the Senior VP of mortgage banking ( XXXX XXXX ) at Quicken were quick to acknowledge that " absolutely, this discount should have been disclosed to you, but .... ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I've been beyond harassed by this company. The company thinks they can interrogate, make snide remarks, and even threaten us with legal action. 

I'm disputing a charge from transferring from one apartment to another and when I communicated this, the women I spoke to treated me like an XXXX and declined to send over confirmation for the legitimacy of the debt She kept asking me about payment when I told her from the start that I am disputing the charge. 

I can not take any more harassment from the company representatives continuously calling me before 8am on my work phone without any regard. 

IQ DATA INTERNATIONAL customer service seems to forget what is going on in the world to belittle people who try to go by life day by day and make it through the hardships of a pandemic, they continue to add fraudulent interest charges on a collection amount that isn't valid, to begin with. 

This company is hounding me and making me feel guilty and scared that if I don't pay them they will cause havoc in my life for a debt that's not Valid. 

There are over 250+ lawsuits against this company and I've contacted them multiple time regarding an old lease. Each representative I spoke with gave me a completely different amount due and they do not follow fair collection practices

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I TRY MANY TIMES WITH THE CREDIT BUREAU AND THE CREDITOR TO REMOVE THIS ACCOUNTS FROM MY CREDIT BUT STIIL ALL THIS ACCOUNT ARE IN MY CREDIT REPORT.I TOLD ALL THIS PEAPLE THAT THIS ACCOUNT WONT BELOWN TO ME .THIS IS THE FIFTH TIME THAT I ORDER A NEW CREDIT REPORT AND THIS ACCOUNTS STILL IN MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have a XXXX collection in my accounts thati am not liable for & should be closed and deleted off also I have a utility for XXXX $ that has been over 8 years and is closed and should be removed also XXXX in my account for collection was deleted do n't understand why its still there also would like to have my inquiries removed and update address to XXXX XXXX XXXX can XXXX also have XXXX student loans from XXXX XXXX that have been closed and not bad history for 8 years and still have n't been removed please remove thankyou

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
My name is XXXX XXXX and over the two years, my information and identity has been compromised including unauthorized transactions/activity on my Bank of America accounts. This has caused Bank of America to freeze all of the money I had during a National pandemic restricting all access to funds. With my accounts being compromised I was not able to make payments to any of my bills as I was not able to open another account when all of my funds were in all of my accounts with Bank Of America. Bank of America has reported to credit agencies which has severely impacted my credit and score and ability to open another bank account. Since this has happened, other personal information has been used of mine for government benefits and attempted business loans. I was instructed by XXXX  and FTC to report what I can in efforts to repair damages done by Identify Theft. Please let me know what additional information is needed to repair damages and repair credit as all of this has caused a lot of financial stress,  inability to open another bank account, increased XXXX, restricting funds to provide for our family and limitations on what I am able to do now that my social security number and all personal information has been compromised. 
My Son also had his paychecks from XXXX going into his account and the money that was in the account ending in XXXX was all used to pay back unauthorized transactions from government benefit deposits that I did not initiate of make use of. Prior to this he had a balance of XXXX. Now he also had to start over as is money are parts of our savings were used to pay back funds we did not authorize in or out. Out of mine and my wifes savings XXXX was not recovered Our bank account had been compromised Bank of America has treated us like criminals and very rude to us since all of this has happened. At no point helping us or providing any helpful information

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 2016-07-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Please see authorization for me to get the funds returned to the client XXXX XXXX. XXXX XXXX paid off the lien but as his payment was on automatic payment it continued to pay the lien. Chase kept accepting the payment even thought the lien was paid off! They relieved over {$75000.00} dollars in payments after the close of escrow. The honest thing would have been for Chase to return the payment and a note explaining that they received payment to a loan that had been paid off but they did not. Instead they used XXXX money for all that time! Enough! Return the money immediately! 
Please demand that Chase send me a check made out to XXXX XXXX XXXX immediately. 
Sincere thanks for your assistance. 
XXXX - XXXX

Company response to consumer: Closed with explanation