BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX we filed a chapter XXXX bankruptcy in order to try to keep our home after credit card companies increased their minimum payments by 2 1/2 times what they 'd been being. I simply could n't pay that much of an increase and when I attempted to work with the companies their answer was I had no opt out option on what the payments would be. I had years and years of perfect pay history but simply could n't go from an {$800.00} a month payment to a {$2500.00} a month payment. So the bankruptcy was n't a really my choice ... I had no other option..In XXXX my husband became ill and could no longer work and I had to take a cut in pay due to the economy having such a negative impact on the company I worked for. I contacted Bank of American in an attempt to modify my loan but was told that because we were in the Chapter XXXX there was n't anything that could be done. Since I only made {$35000.00} a year it obviously would be impossible to keep a home that payments and insurance was over {$30000.00} a year. At that point the home was surrendered back to Bank of American. Up until that point we 'd never paid a late payment on that home and had lived there for 11 years. In around the first part of XXXX XXXX notified us that they had acquired our mortgage and all future payments were to be made to them. I immediately contacted them and Bank of America trying to explain that this was all handled throught the courts in XXXX. Bank of America said they did n't have to abide by any such order. XXXX continued to pursue us for payment. Finally after several months XXXX ceased to call. In XXXX XXXX the home sold through XXXX. Reported on my credit bureau file was that I had a foreclosure through XXXX dated XXXX XXXX. So obviously this had an impact on my credit score and any hopes of me getting another home for at least 3 years. I attempted to get them to understand that they should have NEVER had anything on us because the BOA debt was discharged by the bankruptcy but they said that was n't true. I 've sent copies of the modification letter and judge signed document to both banks.. to no avail. So in an attempt to get into a modest home I have this hanging over my head as having just happened in XXXX. So I asked for help through XXXX. The result was a XXXX point drop in my credit score because XXXX shows that our payment history was over 120 days late with payments. When I referred this information to my attorney I was assured that Judge XXXX order was sufficient and I did not need to be concerned. XXXX response to XXXX was that it was THEIR loan and we never paid on time.. PLEASE help get this resolved. I 'd like to have a home again one day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
So i got a letter saying they messed up fees for late payments and gave me a XXXX credit from when i ad the card. I filed bankruptcy on this card many years ago - approved and discharged. They say the balance is still there and they applied the credit to a balance that shouldnt exist, rather than send a check for XXXX XXXX that should written off due to bankruptcy. Who else have they done this to? So they compounded an MRA i would guess with something even worse. this seems illegal. The rep on the phone didnt even seem concerned. She stated your not responsible for the balance after bankruptcy but the balance is still there and this credit was applied. Didnt even address the real issues. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Carter-Young, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is for a move out at an apartment I lived in, the walk threw was complete and no damages were found and we mutually agreed that all is good. Later, the Apartment claimed that I damaged the carpet. I never did and no proof was provided, no court order and no agreement during the walkthrew and now they have reported that I owe them {$600.00} and sent it to a collection agency without the proper legal ground since I never caused this and I need to get a ruling on this from the CFPB so I can have creditors response prior to hiring an attorney to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: Bread Financial Holdings, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I acquired the loan in XXXX of 2019 with the first year an interest-free period. I promptly paid all monthly payments when my statement was received. I knew and always intended to pay the loan off at the end of the interest-free period and when the second month thereafter the statement came I called the bank and asked what the payoff was. I was told the payoff was XXXX and immediately wrote the check and mailed it within an hour. I wrote that last check earlier than I had written any of the previous year 's checks and there was ample time for the check to arrive and them to process it. When the next statement came I find I've been charged a XXXX late fee and XXXX in interest because they say they received the payment late. When I went to my local bank to try and acquire a copy of the check they told me that Comenity, the loan bank had never processed the check by cashing but rather ran it thru by the routing and account numbers so I don't have much if any proof of the date I wrote the check. I'm sure they must have a copy and would like for them to produce one. I think when they realized I was paying the loan off that they held the check until after the due date claiming it was late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Equifax refuses to remove an account from my credit report from XXXX. I have notice received through the Consumer Financial Protection Bureau from XXXX stating that they have requested Equifax to remove the account information as of XX/XX/2016. Today is XX/XX/2016 and Equifax continues to report this incorrect information. I submitted a notice through the CFPB with a copy and they ignored the letter. I am re sending this as a final notice that this should be removed. It is unfair for them to continue to damage my credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX21, my wife and I logged on to our Ally Bank savings account and discovered someone had removed {$93000.00} from our account via an ACH transfer to another outside bank. We had not added this outside account, nor have we ever heard of or had any association with the bank, which is not even in state either of us have ever resided. We immediately called Ally Bank to report the fraud and all they asked us to do is complete a dispute request and said that someone would be in touch. We could not get a confirmation of when someone would contact us or when they would return our funds. They were however able to provide the account holder, account number and routing number for the outside account the money was sent to, which was troubling, because that account was supposedly in my name. Again, we have never even heard of that bank. Furthermore, we have two factor authentication turned on for this account, whereby anyone that logs into the account would have had to enter a code that would get texted to me or my wife in order to log in. Neither of us received such a code, therefore we don't know how the banks two factor authentication functioned properly in this instance, because it certainly didn't protect us. We have not heard anything back from Ally Bank as of the date of this complaint. We are extremely puzzled how someone could log into our account, bypassing two factor authentication, add an outside bank account, and transfer such a large sum of money out of our account without any notices being sent, red flags being raised, calls, emails, texts, etc. from the bank. Any help you can provide would be greatly appreciated. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION TO BANK OF AMERICA I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2000.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2015 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

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 2021-01-09
Company: FinCo Services Inc DBA Current
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 my account was hacked and they took XXXX when i checked my account I chatted with them that first day and told them it wasnt me they sent me out a new card and started an investigation then the person somehow took another XXXX out my account everyday the person that hacked my account tried purchases and each time i contacted current they said dont worry you have a new card coming. I get my new card and someone tries that card at this point im thinking this is an inside job no way they can keep knowing my information. Now in the meantime they said it can take 10-120 to investigate. I had to get 3 card changes i eventually stop using XXXX and switched waiting for them to return my money. I did have the same chat person twice and she said she escalated my case but one day before the 120 mark they sent me an email said they investigated and found no fraud. That money was bill money my unemployment not play money and im not going to steal from myself but current stole from me and didnt do a investigation they could have caught the person one time i chatted with current it was a minute after the person tried to charge my card they could of caught them right then had they been investigating one company even told me all there investigators had to do was call and get the information current never called. They sent me a notice AT THE 119 DAY MARK! That was a way for them to get out of giving me my money back I never had that problem with a brick and mortar bank and I will never trust one bank with my money again. I want my money back because they failed to properly investigate and even after they sent that message and i cried my eyes out i spoke to the same woman on the phone and she could not believe they didn't research she checked while i was on the phone and resent for escalation even though they closed out first investigation I haven't heard from them since and i don't receive direct deposit there anymore but this is sad.e I want my XXXX back in my account and im going to make sure this doesnt happen to other people I complained to current XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 they ordered my 3rd card i sent them all types of chat and nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
In regards to first complaint, things are astronomically worse if you can even comprehend that ... please see below : I have tried NUMEROUS times to modify my home mortgage loan with Bank of America. After my home loan conception with Countywide, BOA did in fact start my home loan modification and it took it over 3 years and now they are CONSISTENTLY requesting documents I 've sent them MULTIPLE X MULTIPLE TIMES!!! They continue to say I 've filled them out incorrectly, specifically my XXXX ... but I know I 've filled it out CORRECTLY. They finally sent out a Representative many times to collect and notarize the document that " they filled out, I signed and they took with them to turn in '', each time I was promised it was correct. To turn around ... BOA says it 's incorrect!!! What do I do?? BOA is about to foreclose on my home come XXXX, XXXX, 2016 and wo n't work with me, offer help or clarify what they need. When they tell me what they need, I submit, then " my case worker '' calls me rudely every time and asks me for them same thing again every time!! I FEEL THEY ARE PROCRASTINATING WAITING FOR ME TO FAIL AND FORECLOSE! What do I do to help me and save my home? Something 's WRONG HERE. Please, Please, Please HELP!! 

Things have not only gotten worse but escalated beyond my control and I need HELP PLEASE! Anyone, anything! Should I call the news? 
BOA HAS NOW SAID AFTER 8 MONTHS OF THIS XXXX LOAN REVIEW PROCESS YHAT ALL OF MY DOCUMENTS HAVE EXPIRED AND I NEED TO RESUBMIT DUE TO A " NEW UNDERWRITER TAKING MY CASE BECAUSE ORIGINAL XXXX CHANGED PISITIONS .... Now a new set of guidelines, rules and more of not just the same requests being submitted. I more confused than EVER before on what this new underwriting needs and NO ONE COMMUNICATES XXXX CALLS BACK. New documentation requests estate I need to show/prove things " from previous conversations '' ... Those in which I never had because I 'm lost as to what they 're talking about!!! TOP IT OFF, I 'm apparently 6 months in the rears of payments because my husband and I XXXX been paying mortgage payments out of XXXX asked are accounts with phone representative each mo th.. Turns out that 's payments were never credited to my mortgage rather lost in " miscellaneous postings '' because they were n't XXXX full payment! They can neither apply the payments nor fix the fact that IVE PAID MY MORTGAGE DURING THIS TIME! I am now apparently {$4200.00} + behind and was told UNLESS I PAY FULL BALANCE NO PAYMENTS WILL BE ACCEPTED!!!! Please help, I know this has to be illegal, right??

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 2022-10-12
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
on XX/XX/XXXX I received an alert that a new collection report was added to my credit report. When viewing the report I saw the collection company so I proceeded to contact the company, the lady who answered told me they been trying to contact me since XX/XX/XXXX but had no luck. I asked if they left messages she said no then she told me they sent letters about my " supposed debt owed '' to an address I do not reside at. She told me I owed {$800.00} but wouldn't tell me who or what it was for and just wanted me to pay it. I repeatedly asked for a manager to which she told me she was not going to give me a manager I had to deal with her. She stated the debt was from XXXX to which I replied with the debt is out by time isn't it? she said no and I said if you do not provide me with any information I am not going to pay to which she stated that " I need to get a job to pay my XXXX bills '' and some other words. I then said she was being very rude to which her reply was your momma 's a XXXX so get off the phone. I then kept asking over and over for a manager she finally hung up. Every time I call back she is the only one who picks up the phone it seems like a scam.

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 2016-12-21
Company: Navient Solutions, LLC.
State: DC
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have been trying to track down my student loan debt with navient once it moved from under XXXX. Due to awful communication and customer service from Navient, the debt then was moved to collections under General Revenue Corporation. They had an old address that I have not lived at for over 3 1/2 years and were sending letters to that old address which were of course not forwarded anymore. So, they started calling everyone and anyone they felt was associated with me. They had my phone number and email correct just the wrong mailing address. I find it harassing and professionally embarrassing that they were calling people who I do n't even know that they had marked as " possible associate '' on their call list. They finally called collegue over at the White House, at the EOP, how mortifying! He emailed me today about it and I resolved the issue with General Revenue Corporation. I am going through my security clearance renewal and have an upstanding reputation in my Federeal community and this is just, very very unnerving. I feel that General Revenue Corporation overstepped all boundries in acceptable methods of contact, calling people I do n't even know and collegues I rarely see. My current address is easy to find online and via DMV and public records. I went through this very long list of people that GRC had on my file as " possible contacts '' and did n't even know some of them! Creditors should not me randomly calling people who may not even know you or who may only be professional colleagues to try and contact you regarding debt. It is inappropriate and harassing behavior that can also lead to negative professional ramifications. 
I 'm happy to provide a dozen contacts as long as creditors like General Revenue Corporation do n't make up a random list on their own using whatever random methods and call professional colleagues at the White House. Especially when they can find my current address easily as a matter of public record.

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 2016-05-31
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
There is a judgment listed on my Equifax credit report that is not mine. The case number listed is XXXX and this does not exist in XXXX XXXX Court records. I have gone up to the XXXX XXXX Courthouse now 3 different times in person to try to get this incorrect information removed as well as calling. I have disputed this twice through Equifax , yet it still remains. I spoke directly to multiple people who stat that the case number XXXX does not exist in their system. I have also done a statewide search through our online inquiry database for this case number and each time it comes back with nothing. I originally disputed this on XXXX/XXXX/16 and again on XXXX/XXXX/16. They state that this has been verified by XXXX XXXX and when I have gone up there to speak with someone at XXXX XXXX they have given me phone number to have Equifax directly contact them as well as stated that they would not have confirmed this case number as the format of the case number itself is not XXXX used in their systems. I am a XXXX minute drive from this courthouse each way so in total I have driven XXXX mile attempting to correct this as well as missed 3 days of work. I am upset at being denied a mortgage wrongly and at the out of pocket cost of correcting this error and I am not able to get anywhere with Equifax. This case number simply does not exist according to XXXX XXXX. Equifax claims they received verification electronically and do not have a specific contact person at XXXX XXXX that they received this incorrect information from. I would like this incorrect information removed from my report immediately and would like to be reimbursed for my lost wages, time and gas to pursue correction of this matter in the amount of {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have attempted to get this inaccurate judgment removed from my Equifax and XXXX credit reports for months. They keep referring me back to the courthouse and when I contact the courthouse, they are indicating that they did not report nor do they do any reporting to the credit bureaus, so they ca n't help me. 

The staff at the courthouse also provided the above information in writing. After submitting it to XXXX and Equifax, they still refuse to remove this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently 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