BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On  XXXX / XXXX /  XXXX   or  XXXX / XXXX /  XXXX  , I deposited a check for {$190.00} into my Bank of America checking account via my phone. I knew I had a billpay check for {$130.00} going to a creditor that was scheduled to be  paid on   XXXX  
 BofA said the {$190.00} check would be good to cover items that posted on  XXXX / XXXX /  XXXX  . I assumed this would pay for the {$130.00} payment.     I carefully monitor this account. All day on  XXXX / XXXX /  XXXX  , there was never any overdraft notice. All day on  XXXX / XXXX /  XXXX  , there was no overdraft charge. But, when I returned home from work after  XXXX , in the morning of  XXXX / XXXX /  XXXX  , there was a backdated overdraft notice and charge for {$35.00} on  XXXX / XXXX /  XXXX   for the {$130.00}.     This seems grossly unfair.  1. I had money in the bank to cover the charge. 2.  The bill was not scheduled to be paid until  XXXX / XXXX /  XXXX  , when my check would have posted.  3.  I was never notified that a payment had posted on  XXXX / XXXX /  XXXX  , even though I have every type of alert possible set up for this account, and I monitor my account closely. Had I known that the bill payment had posted on  XXXX / XXXX /  XXXX  , I would have immediately withdrawn funds from another bank and covered the payment.     I have asked for a refund of the overdraft charge, bu t BofA  refuses to give it to me. They claim that I should have known that the bank might pay my bills early and not tell me about it!     I do n't think it should be legal for banks to backdate items when backdating causes the consumer to be charged fees. Seems like a sneaky tactic designed to enrich banks. In addition, it should be required that banks notify customers immediately whenever they are overdrawn so that they can put money into the account to cover the overdraft without incurring a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
JPMorgan Chase abruptly restricted my checking account for 3 days preventing me from using my own cash because apparently they sent me a letter asking my wife 's employment status and we did n't respond to this letter. They restricted my account without giving me any notification for such a simple reason. I was very negatively affected by this dumb decision because I did n't have any cash for 3 days and I could n't pay my bills and I almost missed my mortgage payment on my primary residence. Which one is more important to Chase? My wife 's employment information or my life, access to food and housing?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft.           XXXX   XXXX   XXXX   Account #  XXXX  Account Type Auto Financing Companies Balance {$21000.00} Past Due {$1900.00} Date Opened  XXXX / XXXX /  XXXX   Payment {$0.00} Payment Status Charge-off

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We have an  Equity line of Credit with PNC. The first 10 years were interest only and then reverted to a principal and interest payment plus a percentage. We have tried since the beginning of this mess to get answers from PNC and ha ve never received anything but promises that we will be receiving something. In  XXXX  of   XXXX   our letter of written request was approved by  PNC 's i n house counsel  XXXX   XXXX . As of today we have not received anything in writing to our questions. We have contacted  PNC by   phone, we have sent registered letters and still silence. We did modify the loan into a 15 year fixed principal and interest payment but we are not clear the amount that was modified is correct. All we want is our questions answered.

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 2016-09-12
Company: Early Warning Services, LLC
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I would like to dispute XXXX and have the incident removed from my record. The transaction was authorized and done legit. The transaction in question was credit card related. I applied for a XXXX XXXX XXXX XXXX XXXX. Upon receiving my card I was given an offer to transfer any balances to my new account via balance transfer check. 

I took the check to my local XXXX XXXX on XXXX/XXXX/15 and asked how to proceed. The teller told me to deposit the check to my XXXX Checking account # XXXX and from their I can pay off anything via ACH electronically. The teller attempted to deposit the check to my checking account but before she could proceed her system indicated that she need to call the credit department and get authorization for the check. The teller successfully received approval and authorization to proceed in which she deposit said funds into my account ending XXXX. 

On XXXX/XXXX/15, I received notice that once the back office reviewed the transaction they decided to un approve it after originally approving the initial transaction and removed said funds from my account. Nothing was done wrong or invalid on my part. The transaction in question is fully documented and compass has the prove via authorization number in their system that this in deed was n't fraud and that the transaction was legit and handled in a XXXX XXXX. 

I respect XXXX decision to not approve the balance transfer after the fact but to accuse someone of fraud or misuse of the account when the transaction in question was legit is " Defamation of my Character ''. I ask that this matter is resolved immediately and removed from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: U.S. BANCORP
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to ge t U.S  Bank to give me a payment that is in my price range, so that I can keep my home. I am retired and every time I do a loan modification for my home, the payments seem to get higher and higher. I am retired with a fixed income and there is no way I would be able to pay what they are telling me I have to pay to keep my home from being foreclosed. I have been doing this process since   XXXX   and it does not seem like we are getting anywhere. I feel like this company is prejudice and discriminating against me. I have been trying to work with them but they just do not want to hear it. They rather see me outside and no where to stay then give me an modification for a payment that I can make.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: Debt Recovery Solutions, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have asked in writing and repeated phone calls for Debt recovery solution to send me any and all signed documentation of any business that I have with them. I have not received any such documents to this day. I have NEVER done any business with debt recovery solutions, I do not know of any documentation with my signature of any business that I have with debt recovery solution. Debt recovery solution continues to report on my credit an open account with a balance of {$150.00}, with their disgusting business practices reporting this on my credit report is causing me emotional and financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
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: Information belongs to someone else

Complaint:
I am writing to the CFPB in regards to the false reporting on my credit reports from all three bureaus.I am the victim of identity theft and have filed with both the IRS and social security administration regarding this situation. The theft was brought to my attention by the IRS when I e-filed my XXXX return. I was notified that my social security number was not matching my birthdate on file. This started my thorough review of all three bureaus reporting information and found numerous issues with aliases, addresses, accounts and companies reporting account that were either closed or passed on to collection. 
In trying to safeguard my file I diligently wrote to all three bureaus and disputed all inaccuracies reported and have had some success in rectifying this damaging situation. 
One account reporting in collections is from XXXX XXXX XXXX, Report # XXXX, for the amount of {$3000.00}. This account was bought by XXXX in XXXX and they have not provided me with the requested information to substantiate this account such as- commencement agreement with my signature, all statements on the account to date and to what address the statements were sent and how were payments made if any on this fraudulent account. none of which has been provided to me. Another fraudulent account under XXXX XXXX XXXX has been removed as they could not provide the requested information requested and Experian removed the reporting. Since then, a second request was sent to Experian to remove the account still reporting and they have not. They have not provided relevant documentation proving ownership of this account and continue reporting the fraudulent account on my report. I have involved the IRS, Social Security Administration and FTC as well as my attorney general. Further, XXXX Continues to report both XXXX XXXX Accounts under my report as well and have not provided due diligence in removing these. I have had to cancel all credit cards, notify my bank and submit affidavits, change my passwords on all external billing sites and monthly direct debits for bills. This is frustrating and unfair that I now have to work to remove these inaccuracies and have zero consumer protection from said credit bureaus. I am filing with the attorney general if these issues are not remedied, against XXXX XXXX XXXX and the bureaus for the continuous false reporting. I have supplied the bureaus with the following ; social security card, passport, drivers license, birth certificate, address for the past two years and the government affidavit to the IRS. 
I welcome any help that the CFPB can lend.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22
Company: EQUIFAX, INC.
State: TX
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:
XX/XX/XXXX I sent the credit bureaus a request to investigate the inaccurate items reported on my credit. I pulled a new credit report today XX/XX/XXXX and there were no updates changes, or response sent to me. It has been more than 30 days from the last dispute and I still have accounts with balance that should not have a balance. accounts outdated still reported and even accounts that are not mine. I am loosing patience and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Experian Information Solutions Inc.
State: FL
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 received copy of my credit report and i still don't understand why are you reporting these accounts, which were fraudulently open. The companies were agreed, that these were not my accounts, i have never applied for it, They don't have any proofs with my signature. Someone applied for these companies using my personal information, Iwas victim of identity Theft.

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 2015-05-13
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a home mortgage with ocwen loan services llc. I make my payments with no problems they are always on time and even early. they keep sending my payments back and not any reason with it. now i have received notice telling me i am 351 days past due and threatening to take my home away. i have all my checks that have been sent out. my husband is a XXXX XXXX veteran who has passed away. i maintain all payments for the estate of my husband. i have had help from other friends and been told this company is XXXX that is into stealing seniors homes by not taking their payments to force a foreclosure on the home. as a XXXX veterans wife i feel that i should be able to get help quickly before they force me out on to the street. i am XXXX yrs old and have several XXXX issues and can not keep going through this stress i am also contacting the governor of Florida for his support in this matter. please can you help me to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: AFNI INC.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a Debt that I do not owe. XXXX XXXX XXXX Phone service. 
This was a land line I had in my home for many years. 
in fact this so called Debt is over 4 years old. I had phone service with XXXX XXXX XXXX at home and there was some long distance charges on my bill that I did not make, this has happened several times which XXXX XXXX XXXX corrected, so XXXX XXXX XXXX suggested that I make a package change which would help, so trusting them I did make a package change with XXXX XXXX XXXX. Upon the change they tried to charge me the rear amount of the bill that they corrected and I did not owe, so I stopped service with XXXX XXXX XXXX with my land line.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: Specialized Loan Servicing Holdings LLC
State: OR
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan was transferred to Specialized Loan Servicing in XXXX, 2015. I had an auto payment set up with the previous company that SLS took over. I wanted to switch checking accounts for payment and initially contacted SLS in XX/XX/XXXX. The customer service rep told me it was done. I should confirm that no payment was made in XX/XX/XXXX and if it was, I should call again. 

Well, payment was withdrawn from my old checking account in XX/XX/XXXX. I called SLS and repeated the process. Even though the SLS service rep confirmed the change was made and I received a confirmation letter stating the change was made, funds continue to be withdrawn from my old account. This has happened every month for the last XXXX months. I have written XXXX letters to complain on XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15. 

A response letter dated XXXX/XXXX/15 requested my bank statements showing payments drafted to SLS and stated " we have found no errors ''. I attached a copy of the cancelled check with the XXXX/XXXX/15 letter. I did not wish to provide my entire bank statement since I do not trust this company with my personal finance information. 

For XX/XX/XXXX and XX/XX/XXXX, SLS received double payments, one from my old bank and another from an electronic payment from my new bank. The extra payments sit in suspense and did not go towards paying down my principal. Even though I asked for a refund of the extra payment on XXXX/XXXX/15 when it first happened, no refund has been issued. SLS should have all the information they need to cancel my ACH as requested and not continue to withdraw funds against my explicit non-consent. This constitutes fraud. They are holding my funds for no services.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I entered into a mortgage loan agreement with  XXXX   XXXX ,  XXXX  on  XXXX / XXXX / XXXX . In  XXXX  of  XXXX , the loan servicer was switched to  XXXX   XXXX . In  XXXX  of  XXXX , the loan servicer was switched again to LoanCare , LLC. I was notified of the switch via mail on  XXXX   XXXX ,  XXXX . During the most recent switch, LoanCare , LLC lost track of an {$850.00} payment which I made on  XXXX   XXXX ,  XXXX .     I have been making bimonthly payments on the Mortgage each month since the loan agreement was signed. The Mortgage clearly states that the following in  Article 4 : " 4. BO RROWER 'S RIGHT TO PREPAY I have the right to make payments of Principal at any time before they are due ... I may make a full Prepayment or partial Prepayment without paying a Prepayment charge. '' This is printed on pag e 1 of 3 of the Mortgage agreement. It is literally on the face of the Note. When investigating the missing { $850.00} payment, LoanCare , LLC informed me that they do not accept partial payment. I am requesting assistance with the following   two items : 1. Enforcing specific performance on LoanCare , LLC, so that they honor the terms of the contract and accept partial payment.
2. Ensuring that LoanCare , LLC recognizes all former payments for the Mortgage, including the {$850.0  0} made, and accepted, on  XXXX   XXXX ,  XXXX , to be applied to  XXXX   XXXX .     As you know, contract law allows for the sale and transfer of a contract, such as a Mortgage. While transfer of a contract is acceptable, it does not allow the purchasing party to unilaterally change the terms of the contract. The purchasing party is still bound by the terms of the contract, as is the counterparty, myself.     Thank you for your assistance.     Sincerely,  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 2017-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am now abroad of the United States for 5 months, I think it is gon na be even longer ... Due to the fact that I do n't have access to my USA number they blocked access to my online banking. However, I have access to my email account which is registered in the bank. 
Several times I called them, explained that I 'm overseas and have only access to international number and e-mail they have in file. But they do not care.I ca n't check online what is going on there! 
I have 2 credit cards and 2 checking account, everything is blocking .... 
They may have confused my information with my stepfather, because when we first open a checking account, it was with his name like there are 2 people on the same checking account. But I have persona checking account! 
I also sent many times my documents via Fax ( instead of something to go to brunch ), as they ask. Absolutely nothing help! 
When I call them, they say different reason every time, first you have no USA phone number, the second some problem with one deposit a check or what, the third some deposits and more. 
In fact, I do n't have access online to my personal checking account and my personal debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
The  " annualcreditreport.com  '' website is a piece of junk.     The CAPTCHA form is close to illegible, requiring multiple attempts that often abort the process.     The use of popups also causes the process to abort.     I was able to obtain only  XXXX  of  XXXX  reports. The other  XXXX  apparently thought the report had already been provided, when it had n't, probably due to popups aborting the process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-06
Company: TRANSWORLD SYSTEMS INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This compan y, Transworld Systems Inc. keep s calling and leaving messages that we ( they do not specify who they are calling for ) have an outstanding debt that they are calling to collect. They do not say who, where, what amount. We have no outstanding debt. I do not know what this is about and do believe if I call them to " resolve '' the problem I will get anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Several years ago, I went through a divorce and had to sell my marital home through a short sell. At that time, I had a equity line of credit with SunTrust Bank. They refused to forgive the debt and negotiated with the buyer for me to assume {$16000.00} of debt to be re-paid over a ten year period. I have now reached an age and point in my career where I need to settle down and buy another home as I prepare for retirement. I made an offer of settlement and the bank will not return my calls or when they do, have lost my file.

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