BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XXXX XXXX, XXXX I called Bank of American to inquire on the status of my Maryland Unemployment card that I was informed by Maryland Unemployment was send the earlier part on XX/XX/XXXX. After being ask several security questions I didnt know the answer to I was transferred several times to finally reach a very helpful lady in Bank of America fraud department. After spending 5 hours on the phone with her we discovered that my card was sent and received by someone other then myself. The card had been used numerous times between XX/XX/XXXX and XX/XX/XXXX around {$16000.00} if purchase. The card was immediately closed. I was instructed to contact the police files and report then contact the claim department to file a claim in order to have the money put back into my account. Which I provided BOA all of the documentation such as police report, proof of identity etc ... .I then had to contact Maryland to have a new card issued and sent to me. All of this was done the very next morning XXXX XXXX, XXXX. Not even 1 week later I received a letter stating the my claim was denied and closed. The letter was dated XX/XX/XXXX. Two days after filing the claims. I immediately called Bank of America to file an appeal also files an appeal in writing. I called every week to check to status. On or around XX/XX/XXXX I spoke with a BOA representative and was told the a provisional credit was scheduled or be placed in my account that it should be posted within the next 24-48 hours. Then on XX/XX/XXXX my card was closed. Apparently I had been flagged for fraud yet again. After several months of getting the runaround Bank of American would tell me to call Maryland UI and Maryland would tell me to call BOA. Finally after 2 months on XX/XX/XXXX my debit card was reopened. On XX/XX/XXXX I called to inquire about my claim since my card was open again when I was told because the card was closed I would have to start the claim all over again. Once again I called about every 3 days to check the status. On XX/XX/XXXX when I called I was told the my claim was yet again closed!! But not was it closed and denying on the 15 but it was closed and decided on XX/XX/XXXX also. Now once again my claim has been escalated. I have called every day since XX/XX/XXXX to check the escalated status and Im told each time that no escalation was submitted but they will submit it right then. PLEASE 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 explanation
Consumer complaint received 2021-01-12
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
on XX/XX/2020 A letter was sent to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, & on XX/XX/2020 a letter was sent to XXXX, XXXX XXXX XXXX XXXX XXXX. Under the cares act it was stated that during the pandemic there is to be no negative reporting to the credit agencies including late fees. I recieved notices and alerts I am being reported for late payments and my score has been affected tremendously. I reached out to the reporting agencies and they refused to help me and ignored a statewide message that was put into law due to COVID -19. I am an XXXX XXXX for a school in XXXX XXXX and everyone know the school systems were shut down half the year last year and partially this year and online schooling is limited or not at all. In order to relieve the financial blow to americans it was said for the creditors and reporting agencies to cease collection activities as jobs were closed and americans suffering with no income due to no fault of ours. They didn't want Americans choosing between feeding their families or paying a bill. We are still in a pandemic and I have asked for forebearances and late payment removals. I suffer from XXXX and this is stressful. I have a daughter and a family I have to support and a mortgage and child care. I am reaching out for clarity because im put in the situation of choosing food over my finances. im not trying to avoid them I just need some help from my creditors until I can get through this crisis and request for them to remove the late payments and not tell the credit agencies to hurt my report and please the legislates that have been passed regarding the debt collections and negative reporting to peoples reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I make my monthly mortgage payment online to US Bank every month. I just noticed that this month, they are now charging {$5.00} for online processing fee. They never even send a notification to make me aware of this change. So now I plan on sending my payment in via regular mail, but I had been receiving paperless statements via email, so I do n't have the physical printout of the pay stub to send in nor the envelope. And if I had noticed this one day before the payment cutoff date, they would have received my payment late and charged me interest!

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 2016-01-09
Company: U.S. BANCORP
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We fought US Bank Home Mortgage for almost two years to save our home. We finally accepted that we were going to lose our home. We were approached by a real estate agent who had a family interested in buying it. The buyers were preapproved and we discussed a price of XXXX to XXXX depending on payoff. We called mortgage company to request payoff amount. We were told they would send it out to us. We never received it. We had attorney through legal aid request the payoff amount on XXXX from the attorney for US. Bank. They never responded. Sadly, the sale took place on XXXX XXXX and the home was sold for XXXX. The lack of response from the mortgage company 's attorney and the company itself cost us the opportunity to payoff the amount owed and possibly have recooperated a little of the money we paid down on home. Ironically, prior to the sale of our home, the mortgage company sent us a check for mistakes made on account. We still have check because we did n't understand why we 'd get a check from mortgage company while they were foreclosing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
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: Information belongs to someone else

Complaint:
I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXwhich is attached, he following items do not belong to me and is a result of fraud that I did not authorize. 
XXXX XXXX XXXX XXXX Past Due Amount : {$1600.00} XXXX XXXX XXXX Past Due Amount : {$420.00} XXXX XXXX XXXX Past Due Amount : {$94.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXwhich is attached, he following items do not belong to me and is a result of fraud that I did not authorize. 
XXXX XXXX XXXX XXXX Past Due Amount : {$1600.00} XXXX XXXX XXXX Past Due Amount : {$420.00} XXXX XXXX XXXX Past Due Amount : {$94.00}

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 2015-04-24
Company: Westlake Services, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Auto finance company towed my car and repossed it saying I was late on payments. I proved my payments. I called to get my car out of repo yard and finance company would n't release it. They confirm my payments are up to date but still wo n't release my car. I called their supervisor who said by error they auctioned my car. The following day finance company stated they had my car at towing yard and would release it in 24 hours. Two weeks later, I do not know where my car is and I am current and can prove it on my payments. Total negligence.I ca n't get to work and I am out money for a car I paid for that this company possesses. I have documented over XXXX calls to this company to try to find my car. Each representative told me a different stories.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Balance transfer

Complaint:
I submitted an online credit application today 's date XXXX/XXXX/2016 to Chase Slate Bank for a new credit card. The primary reason I did so was because they were offering an option to transfer a balance from another lender with a higher interest card with zero percent interest for 15 months. As a part of the application I had to give them the other lenders account number and amount I wished to transfer ( in my case over {$4000.00}. ) even though I entered this amount in their application, when I submitted ( and got approval ) for the card, they gave me a {$1000.00} limit and made no mention of the transfer request. When I called them at their customer service number they said that the transfer limit maximum was {$1000.00} at most. I told them I never would have applied if the online application had indicated that. The CSR apologized and asked if I had any other questions. I told him I felt the online application was used as a tool to lure new card members and that I never would have applied if they had indicated the maximum transfer amount. Website I applied at was XXXX The representative I spoke to indicated on the phone that the balance transfer information I entered was NOT used as part of the application submission which I feel was a misrepresentation on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: Consumer Portfolio Services, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My daughter is using my name to try and get approved for a car, we share the same birth month and date. she had my credit ran five times in one day. 
XXXX XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 adjustment was sent by loan company to credit bureaus on XX/XX/2020 however they did not report to my credit until XX/XX/2020. My credit bureaus are still saying I am delinquent when I am not. I was in deferment and still am.

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 2021-01-12
Company: Experian Information Solutions Inc.
State: CO
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 have been paying my child support so Im not sure why its on my credit report as being a negative effect. Balance history shows I have been current only as of XX/XX/XXXX and nothing before that but I was XXXX in XXXX  from XX/XX/XXXX until XX/XX/XXXX and had 20 % taken out of my state paycheck every month to go to my child support but on my credit report it shows that I havent paid it at all. This debt is also from XXXX so Im sure this debt has exceeded its statue of limitations as well. Experian has kept me very well informed on what to do so all of my options have been used now im trying this before I have to proceed with my attorney. The child enforcement agency also shows me paying one month in XX/XX/XXXX and of course Im XXXX  at that time so theres no physical way I would of been able to pay that one time. The payments were supposed to be sent every month from the case managers in the prison and the child support office is refusing to report that I have always paid my child support without missing any months since XXXX. Thank you for the 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 explanation
Consumer complaint received 2022-03-26
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
Hi. Please help me with these accounrts I am reporting. They have been included wrongly in my account and it has already casued me so much distress since they are hurting my credit scores. The bureaus do not want to delete them no matter how i explain this to them. Please

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been advised by a third party that there were several innacuracies on my credit reports and discovered that Chase Card had a collection account in my name for a debt that does not belong to me further that I believe was opened fraudulently. 
Chase then sold the debt to XXXX XXXX who then posted an additional collection item on my credit report. The CFPB assisted me in haviing XXXX XXXX remove both their false information and the erroneous claim by Chase from my XXXX and XXXX XXXX histories, however XXXX continues to show the Chase Card Claim on my report. 
I have informed XXXX several times by mail and on their website, that this account does not belong to me and they continue to report it. I have written to Chase Card demanding proof of this debt as I know this account was not opened by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Payoff process

Complaint:
I contacted my credit card company to get on a plan to pay off some outstanding debt on a closed card. We agreed on a {$15.00} min monthly payment down from {$25.00}, but interest is still being charged, meaning that I can only pay less than {$10.00} a month altogether. Is their anything I can do to stop the interest from piling up?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am requesting { again } all activity regarding my loan from its inception in XXXX through today. 

I have received some information from this company, but not everything I requested. Also, the dates on the spreadsheet are completely out of sequence ie XXXX, XXXX, XXXX all mixed together. 

Please send everything IN CHRONOLOGICAL ORDER so I can unravel it. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Mercury Technologies, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account has been closed by Mercury Banking for over 13 months now, and they ignored all attempts at legal communications including but not limited to demand letters and personal outreach. I spent money to get my money and they never responded or acted towards the legal outreach. Please hold them accountable to the financial institutional guidelines that they clearly don't seem to abide by. I can still log in to my closed account and see my unmovable and untouchable funds there. Any attempt at communication has been shot down and never responded to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-01
Company: JPMORGAN CHASE & CO.
State: KS
Product: Credit card
Issue: Other fee

Complaint:
I opened a credit card with Chase bank in XXXX XXXX that had promotional miles and an annual fee of {$60.00} that was to be waived for 1 year. In XXXX XXXX I was charged an annual fee. I assumed it was for the coming year. I called Chase in XXXX XXXX and was told that the annual fee I was charged in XXXX XXXX was for the coming year. I had already paid the fee so I held on to the card for the next year. Today I called Chase to downgrade to a no annual fee card and I found out that the annual fee is backwards looking. I should not have been charged an annual fee in XXXX XXXX. Chase does not have my old cardmember agreement and would not waive the fee for that year or this coming year. I felt this was unethical and canceled the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: LEXISNEXIS
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
XXXX Reports shows XXXX Inquiry Type " yes '' that was my request and responsibility seeking telecommunications services ; therefore, Lexis Nexis XXXX. XXXX XXXX XXXX, GA XXXX tel : XXXX has made decisions on or about my credit report/ score. 

Also including payment for " CREDIT SCORE '' saying at least XXXX or 0 % which I pay for, I can not build credit score is impossible because of not have a Grade Range or having a fair chance..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I receive a letter from an attorney about a lawsuit that has been file against me for credit card debt. and they can garnish my wages and seize my car etc.. i don't have no further information of that debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had to leave my employment due to an injury. So obviously I started getting behind in payments. My loan company has been XXXX  with me and particularly the specific person assigned to my case. He ignores calls, doesn't return messages, ignores emails, and is very rude an unhelpful. He sends me documents through email in a security portal that he has locked me out of. But continues to send them there. I think they are messing with me to cause a foreclosure or something. I tried to talk to another person in the office and he was so mean I was shocked. They offer me solutions but then ignore me so I can't get one going. I have looked up this company and they have terrible reviews. They bought my loan a few years ago so I had not choice to deal with them. I think they are just buying time so they can foreclose on my house. This has been going on for months. I am getting really scared. Is there anything that can be done? These people are horrible. They are going to keep XXXX  with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: U.S. BANCORP
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I WENT TO A CAR LOT TO GET A NEW CAR AND WHEN THE CREDITOR TOLD ME HE HAD TO PULL MY CREDIT I TOLD HIM THAT I ONLY WANT XXXX INQUIRE ON MY CREDIT REPORT. THEY RAN MY CREDIT MORE THAT XXXX TIME AND MADE MY SCORE DROP

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Account was paid and closed but remains on my report. Even though I requested for the items to be removed, the items remain and is damaging to my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: EQUIFAX, INC.
State: NY
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 victim of the Equifax Data breach and my social security number has been compromised. I am a victim of Identity theft. I have an abundance in fraudulent accounts on my credit report that are holding me back in life. I have filed an Identity theft report and have accompanied all my other documents such as my Identity and Bill as proof. Please help me! Credit is essential for life in the United States and I'm unable to move on with my life due to people opening accounts in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX Balance : {$16000.00} - This kind of account is noted as a charged off account. The account balance is truly inaccurate, be sure to remove the item fully. Please also offer documentation to make sure that all the charges and credits to this particular alleged account that caused the high credit number you have displayed on my report. My petition to give these records is seen as a standard information inquiry as per my privileges awarded through the fair credit billing act. If you're unable to deliver this data per my civil rights inquiry, you should automatically eliminate this specific erroneous entry.

Company response to consumer: Closed with explanation