BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-03
Company: BANK OF THE WEST
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I put money into a money market fund with Bank of the West as part of a relocation from XXXX XXXX, XXXX to XXXX, XXXX. I opened a Money Market account to stash the money I had leftover from the move in an interest bearing account that I would n't have to manage or worry about. I had to withdraw an amount that I did n't realize put me below their minimum balance. At the time I had apprx. {$850.00} in the account. I went years without checking it until I got a notification saying it was overdrawn. I contacted the bank to inform them of their error and found out at that time that they had been charging me $ XXXX/mo for being below their minimum balance, which had resulted in them confiscating every penny of the money I had in that account. They told me it was my fault for not checking my account. I trusted Bank of the West with my money. By not phoning me or making any good faith efforts to inform me of my financial position, they failed to live up to the trust I put in them. If they were worthy of that trust, they would 've transferred that money into my checking account. Instead, they stole it. I think they owe it to me to refund every penny. 
I 'm sure I 'm not the only one who has been ripped off in this manner.

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 2017-03-23
Company: Radius Global Solutions LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX. claims I owe them money. I never heard of this company nor have I ever done any business with them. They sent my fraudulent balance to collections ( Central Credit Services LLC ) and the collection agency wo n't speak with me regarding the fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: Klima, Peters & Daly, P.A.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Collection company has placed a garnishment on my wages after several attempts by myself requesting information to verify debt, i did not receive notice of right to dispute and sued me where I did not live or did not sign for the debt. Judgement was originally filed on XXXX/XXXX/2006 in XXXX XXXX XXXX XXXX Maryland. XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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: Investigation took more than 30 days

Complaint:
I sent a letter to the credit bureau to delete the unauthorized credit inquiries but its been well over 30 days and no response from them. 

XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/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 2015-10-13
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
XXXX/XXXX/2015 - Terminated my lease early because I was eligible under the " Pull-Ahead '' program and entered into a new lease. Part of the program was that I do n't have to pay remaining payments, early termination fees, or other fees and taxes. 
XXXX/XXXX/2015 - Received alert from credit bureau that I have defaulted on my auto loan for the terminated lease. I called Hyundai Finance right away and the credit issue has been taken care off. I was told that I was processed incorrectly for the " pull-ahead program '' but that account review is a manual process and it typically takes 30-60 days, and I will hear from them. 
Five ( 5 ) more calls later and after speaking with many individuals in the same department : I have not yet received an update ; the " marketing department '' has to approve it ; there is nobody they can transfer me to or provide contact information for so that I can contact directly ; they will email " the people '' and see " what the hold-up is ''. I have also sent them a certified letter requesting resolution. No response and no update. It has been 4 months since I found out there was an issue. They did move rather swiftly to inaccurately report to the credit bureaus! If they could apply that speed to their customer service and their " recovery '' department. I have also been saddled with excessive wear and tear on a vehicle below mileage limit with not even a scratch or ding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
All of the consumer reporting agencies are reporting inaccurate and unverifiable information from XXXX on my consumer report. Per attached correspondence from XXXX XXXX XXXX . dated XX/XX/2021, XXXX XXXX XXXX ( Regulatory Compliant Specialist at XXXX XXXX XXXX . ), in fact, states " A copy of your application is not available. '' and as such, XXXX is unable to produce a consumer credit transaction contract with my wet signature on it in connection to the alleged debt. Because a consumer credit transaction contract with my wet signature on it can not be produced, per consumer reporting law 15 USC 1681i ( 5 ) " an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. ''

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 2016-07-23
Company: CAC Financial Corp
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep getting letters from XXXX companies trying to collect a debt that is not mine. I have written to them several times telling them it is not my debt.

Company response to consumer: Closed
Consumer complaint received 2021-09-15
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a complaint against the timeshare XXXX by XXXX. We spoke with their employee XXXX XXXX, XXXX OR location. He said he's also an owner and claimed that he doesn't get commission. We were told we're making a good financial investment because I can sell it & make profit, that we can actually make money from it by renting it out thus earning us rental income. They enticed us by telling us we will never have to pay maintenance fees again, that we can use our points to offset the fee. They promised things would be positively different each time things got worse. They also told us that resale value would go up which is another reason for good investment & it has some tax benefits similar to owning a second home. They had our IDs during the process. They offered gifts such as giving us 7 days to Hawaii but we never actually got it, we didn't get anything at all. We felt pressured & rushed when they said it's our last chance at the lowest price being offered and if we don't but that day, the price won't go back down. We felt we're being given a special opportunity to get this, saying they needed " corporate '' approval in order to grant us the price being offered. I felt I was profiled because I am a minority, they also asked me qualifying questions such as if I have a credit cardit so they can open a credit card for me which I didn't want. They had me open a credit card which they never explained what for, I never received a copy of the application, and was never informed of the fees, it was never explained to us. Everything felt rushed to the point that they didn't even allowed us time to read through the contract because they were rushing me. They told me they would email me an original copy of my contract but I never received anything from them. One more problem was that I wasn't made aware of the cancellation process, they didn't even proactively educated us as to how many days to cancel which should have been part of the discussion. I have copies of things I sent them, I've sent requests to cancel for a couple of times but got rejected every time. We've been stressed out because of all the lies & fees we have to pay. We're having financial difficulties due to this timeshare concerning out home mortgage, kids tuition, which we're having trouble paying because of the timeshare. We're getting XXXX, worrisome and XXXX caused by this timeshare to the point that we're getting work stress, issues, missing work because of all the stress from this timeshare. This even have an effect to us losing a lot of sleep. I had the worst experience with this timeshare, being lied to, being pressured and had to sit there for more than 8 hours & now I have been stressed out ever since buying this timeshare. We were simply defrauded, lied to and was taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Navient Solutions, LLC.
State: MA
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 have these accounts that are not mine and i want them to be remove. 

1. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I called Equifax couple times to dispute and remove fraud inquiries from my credit report and they always tell me they can not do that i need to call the companies. i send letters out to the companies with no response there are no phone number listed on my credit report where i can call them like equifax told me too. i did not do those inquiries why do i have to call what i dont even have the numbers for because it is fraud and they refuse to remove them from my report. here is a list from the inquiries what is fraud.  XXXX ,  XXXX ,   XXXX   XXXX  ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX   ,    XXXX   XXXX   XXXX ,   XXXX   XXXX  ,  XXXX ,   XXXX ,   XXXX , there ar e 15 fraud inqu iries and they refuse to remove them what is a violation of the fair credit peporting act se ction 1681b ( c ) and  a serious breach of my privacy rights. I formally request that these fraudulent inquiries be immediately deleted from my credit file that they maintain under my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen Loan Servicing was my mortgage servicing company. The mortgage was transferred to PHH Loan Servicing Company ( who merged with Ocwen ). Ocwen and PHH Mortgage are being sued by 33 Attorney Generals for allegedly charging unlawful servicing fees to their borrowers. I have approximately {$5000.00} in fees and other charges assessed on my mortgage. I have been late in the past due to a medical issue and a divorce, however, my home was never in foreclosure stage, nor my payments over 90 days late. 

In XXXX, my mortgage was transferred to PHH at the rate of 5.06 % and an original amount of {$150000.00}. PHH notified the credit bureau that my loan was modified and my credit rating dropped 70 %. This loan was modified in XXXX, 2008, for {$150000.00}. Somewhere between PHH and Ocwen, the loan went from a 30-year mortgage to a 45-year mortgage, unbeknownst to me ( with no balloon payment per customer service ). PHH has sent me a copy of the Modification Agreement. Now, after 13 years of paying this mortgage of approximately {$1000.00} monthly, PHH states that I still owe {$140000.00}. I am a victim of Predatory Lending by Ocwen and now PHH from XXXX-present.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit card
Issue: Late fee

Complaint:
In XXXX, 2015, Bank of America performed an update to their systems ( as per the representative at Bank of America ). The representative explained that as a result of the update, this caused XXXX and stored sources of customer payments ( such as checking accounts ) to be erased. 
I was not aware of this issue until I received a notice from Bank of America that XXXX of my credit card accounts payments was past due. It ended up being the account I had set up on auto-pay years earlier, and the payments were always made on time ( the amount of payments above the minimum payment amount ). 
When I called Bank of America customer service number at XXXX about the late fees they assessed, they directed me to call their auto pay department at XXXX. 
I contacted the auto-pay number and spoke to XXXX. He advised me he would be able to reverse the {$25.00} fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 noticed multiple inquiries on my credit report I do not recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: Source Receivables Management LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Received a call from a local telephone number XXXX XXXX XXXX XXXX. After I answered a woman named XXXX spoke very fast listing my address and asked for me by name twice. I asked where she was calling from and she said Source RM I asked what that was and she replied it was a debt collector. I asked what her location was, she kept responding by asking " how do I want to pay my debt today? '' she finally replied by saying she was located in XXXX. I asked if she was calling from a recorded line ( as I live in XXXX ) and she repeatedly asked " Why do I not want to pay my debt? '' I asked again about the call being recorded and she sighed and said " calls are monitored for quality assurance purposes. '' I then said thank you and ended the call. The whole time the Source RM representative was very rude, hard to understand and seemed to be intentionally evasive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-15
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I received a corporate credit card from Citi XXXX XXXX back in XX/XX/2021. Along with the card, there were multiple packets included with it with various travel programs & benefits : baggage insurance, travel accident insurance, etc. One of the prominently featured benefits advertised was a XXXX XXXX or XXXX XXXX XXXX XXXX XXXX. The fine detail said that after a XXXX check program was purchased, the account would be credited within 2-3 statement cycles ( 6-8 weeks ). The {$85.00} I paid for pre-check never came off, and by XXXX there was still no credit and Citi requests me to pay the balance. The payment portal has no dispute or message feature to inquire or provide proof of purchase either to request the credit. I finally called Citi and asked why there is still a balance and about the program, and they insisted it must have been a benefit advertised by my company and no one has heard of the program including the supervisor on duty. I called the number on the back of my card : XXXX I don't think it's responsible for Citi to advertise these benefits and claim to have no knowledge of it later. I would not have purchased the XXXX Pre Check had I not been led to believe it as a benefit. Thankfully, nothing happened on my trip to require travel insurance or an accident benefit, as it would seem that Citi would similarly deny any such program existed. At a minimum, an email or payment portal message of some kind or even a letter should have been sent if program benefits have changed or expired in anyway. I have scans of the physical documents that accompanied my card including the terms and conditions of the advertised program.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I decided to not pay another annual fee for a Bank of America Visa card. My expectation was the account would be closed. A month later I got a bill for my account which had been charged the annual fee. I did not knowingly ever agree to have the company automatically renew my account. I then called the company and was assured by customer service they would close the account and back out the charges. A month later I received another bill with a penalty included. I called again and was told they would close the account and back out all of the charges. A month later they continued to add penalties and did not close the account. I then sent them a letter with a return receipt by XXXX Mail. I detailed the above in this letter and told them to close the account and send me a final bill and I would pay that to just end this stupid experience. Instead they reported me to a credit reporting agency that I was now 120 days past due. 
I had not used this credit card for years. It was an emergency card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-15
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: Investigation took more than 30 days

Complaint:
Credit Bureau XXXX, XXXX, and Experian failed to reply to letters I sent in before on accounts that are being negatively reported. 

I have reached out to them via mail and fax and no reply in 4 attempts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
THIS COMPLAINT RELATED TO CFPB CASES:XXXX XXXX AND XXXX pROPERTY SET FOR FORECLOSURE XXXX XXXX, 2015.XXXX REPORTS BANK OF AMERICA AS LENDER THEN REPORTS LSBO ( LOANS SERVICE BY OTHERS ) AS LENDER OF PROPERTY. Bank of America unable to procuce promissory note or mortgage deed. XXXX produced fabricated document which needs to be verified by Bank of America. Bank of America needs to approve that this assignment deed is support by Bank of America becuse this fabricated deed use to foreclosure on property not owned or without document of lender. 
REQUESTING BANK OF AMERICA TO STOP FORECLOSURE SET XXXX XXXX, 2015. 
Bank of America submit COPY of original promissory noteBank of America submit COPY of mortgage or deed of trustBank of America submit COPY of all assignments of mortgageBank of America submit COPY of endorsementsBank of America submit COPY of deed of trust transferBank of America submit COPY of sale of property to Bank of AmericaBank of America submit COPY of sale of property to LSBOBank of America submit COPY of Servicer Letter of XXXX XXXXBank of America submit COPY of document to order this foreclosureDID BANK OF AMERICA SIGN issue documents to approve foreclosureBank of America submit COPY of XXXX employed by LSBOBank of America submit document of XXXX employed by LSBOBank of America submit document of XXXX XXXX Bank employed by BOA

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed