BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Further to case # XXXX to Bank of America. I am still waiting to get the information requested : ( 1 ) why was the loan serviced by their collection department ( 2 ) provide me with a copy of the recorded note prior to them losing it. 
( 3 ) who was the note holder up until the day the held the documents. 
( 4 ) why did n't they file a XXXX continuation. If they did, provide a copy of such document.

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 2017-02-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In late 2015, I received a mortgage modification from Chase Mortgage. At that time the mortgage payment was set at {$850.00} and a special Chase bank account linked to the mortgage was set up for direct payroll deposit so the mortgage could never fall into arrears. Since that time, Chase Mortgage has consistently failed to debit mortgage payments from this linked account per the terms of the modification, thus causing the mortgage to fall into arrears. Now Chase is threatening to foreclose due to their own failure to comply with the terms. 

After being notified in writing about this accounting error with a NOTICE OR ERROR followed by a QUALIFIED WRITTEN REQUEST, Chase has failed to remedy the problem, and has merely responded with form letters. I even hired an attorney to send Chase a letter demanding that they fix their accounting errors, and Chase once again responded with a form letter. 

To resolve this matter to my satisfaction Chase must : *Cease and desist all foreclosure actions and threats. 
*Timely post FROM the linked bank account TO the mortgage a sum of {$850.00} on or about the due date in compliance with the terms of the modification. 
*Move any and all alleged missed payments to the end of the mortgage without the need for a full mortgage modification. 
*Notify all credit bureaus that my mortgage has been " current '' since XXXX of 2015 and remains so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have sought income based payments. The majority of my loans qualify for the income contingent repayment plan. A very small number only qualify for the income based repayment plan. Nelnet has placed all of my loans in the more expensive income based repayment plan even though it is not the best option for all of the loans. When attempting to correct I am told our calculator says you belong in income base repayment and unable to get anyone to listen and look at it beyond plugging numbers into a computer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: EQUIFAX, 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:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I am very disappointed. Remove this fraud account at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Jefferson capital system, I was notified by the three major credit reporting agencies, the fraud was committed on my person and that the account that they have in their system may be pertaining to fraudulent activity. This company received a complete packet from XXXX which was downloaded to XXXX the other download/upload system. Upon XXXX receiving that information, they contacted this creditor and notify this creditor that identity theft may Exist in this consumer file. This collection agency was asked to conduct an investigation into the consumers fraud claims. The collection company never contacted Investigation and to Fraud and, when Notified that this is a fraudulent debt, this collection agency failed to cease collection activity and investigate the claim. Instead, they felt it would be better just to validate the Debt. 

This debt can not possibly be mine so seen that the perpetrator was caught, prosecuted and convicted. In this court case he stated on the Stan, that he used my information as well as others to make a profit on the Internet. That meant, selling your personal information using your personal information, and profiting from other peoples personal information. 

So it is already a clear violation based on the fact that a criminal was already admitted and been convicted of this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had previously filed a complaint because I suddenly started getting {$25.00} monthly service charges on an account that had never been charged. The response I got was that my checking account was no longer tied to a mortgage account, so I would now be getting charged. Well, my account was never a mortgage account in the first place. I 've never even had a mortgage for it to be tied to. Your reason for charging me this fee each month is invalid. I was issued " courtesy '' credits for a few months, but found that I 've been charged again for XXXX XXXX and XXXX XXXX. I 'm sure I 'm about to be charged again for XXXX XXXX. I would like a refund of the charges, and my account fixed so that it is like it was before. All I had to have was direct deposit to avoid monthly fees, and I 've had direct deposit for as long as I 've had the account. Please, do not send me any more freaking terms and conditions and cardmember agreements. They are n't even valid since my account was never tied to a mortgage! Do NOT call me. Email or regular mail only.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I am very disappointed. Remove this fraud account at once.

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: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Just found out that I 've been paying for years through my Bank of America account for something called XXXX. Called BOA and they say it 's a XXXX party charge. They transferred me and XXXX says my husband signed up for this and they wo n't cancel it. Called BOA back and told them I wanted them to stop the charge from going through anymore and they refused. I apparently have been paying for something that I was unaware of. My money goes into this account, my name is on the account and I ca n't stop them from taking my money.

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: 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 am a victim of identity Theft. I did not give any consent to open any Accounts using my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XXXX  - XXXX XXXX add a hard inquiry on my credit reports. On XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, CITIZENS BANK add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
For the second time in 6 months, my Bank of America account has been compromised. My purse was stolen out of my car XX/XX/XXXX. My account was compromised at the time but Bank of America put an alert on my account to ask for verbal password for bank center transactions. I closed that account and just opened another one. On XXXX XXXX, 2016, someone was able to use only my ID and with draw {$1300.00} from my bank account. Usually I 'm asked for XXXX forms of ID ( ID and bank card ) when I make a drive thru transaction. Furthermore, if my account has an alert on it then the culprit should 've been asked to provide the verbal password. It was not provided. The bank manager was very rude and was not accepting responsibility for their lack of securing my account. I honestly feel like it 's an inside job at this point because they wo n't give me the contact to their regional manager to discuss the issue. I should have switched banks after the first incident but I thought the matter had been resolved. Six months later and here I am going through this again, and this time the bank associate ( s ) are very rude and not helpful at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-15
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
Contacted XXXX XXXX XXXX XXXX XXXX XXXX about an unauthorized charge for {$24.00} on my XXXX card. The agent claimed that I signed up for this service via phone in 2012 and incur a charge every time I use my XXXX card to rent a car. I have no recollection of signing up and I have never received notification of this service from XXXX or this XXXX subsidiary. The agent was most unhelpful and claimed that they would not refund the charge because I had already availed of their service ; he also cut me off when I asked to be transferred to a supervisor. I called back and spoke to a lady named XXXX XXXX, with much the same result- very unhelpful- and they claimed that the only way I could get proof that I did sign up in 2012 was if I subpeonaed their records. I then called XXXX XXXX directly and spoke to an agent named XXXX who claimed that according to his information I had signed up for this service via the Internet. When I explained that the agents of the subsidiary said that I signed up over the phone ( and that I had no recollection of signing up for this via phone or internet, nor did I have any confirmation of signing up or any other documentation ), XXXX confirmed that according to his records this was done over the internet. He was also slightly more helpful in that he said there might be a way to reverse these charges. I said that I was fed up with the terrible customer service that I had experienced with XXXX and I proceeded to cancel the card. I have also filed a charge dispute with XXXX on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX my debit card didn't work, and I tried logging into my bank of america account and I was locked out. I started the horrible process of going through different departments and learning there were two XXXX fraudulent transactions, a fraudulent account added, and a counterfeit check put into the account that didn't clear for the criminal. B of A supervisor told me they were closing my account, that they would flag me to consumer XXXX XXXX that would prevent from getting an account for 5 to 7 years, and that I cant bank with them anymore it was their final decision. They treated me like a criminal, put me through distress, and left me not knowing what to do or how to proceed, how to pay my bills. I have filed a police report, and federal trade commission report. I have called consumer XXXX XXXX and have learned they have not flagged me as of yet. Bank of america has sent me letters telling me my accounts are closed and overdrawn, and also a digital claim resolution saying that my funds for one of my claims are available, as well as the fraudulent check that has a name and address. They are admitting no fault or helping me on what to do. This has been a horrible experience, bank of america should be punished for their treatment.

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 2020-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX claims to be a collection agency reporting a collection account on my TransUnion credit report. On XX/XX/2020, using their address as shown on my XX/XX/2020 credit report ( please see attached screenshot ), I sent a certified letter to XXXX XXXX requesting validation of their reported collection account ( please see attachments ). Since that mailing, Ive received notice from the USPS ( please see attached ) that my letter was undeliverable because the  forwarding order for this address is no longer valid. Credit Visions incorrect reporting of their contact information has illegally prevented me from pursuing my legal rights under the FDCPA to obtain validation of the debt they are negatively reporting against me. 

Further, TransUnion is complicit with XXXX XXXX in violating my legal rights. TransUnion is reporting to have verified this debt on XX/XX/2020 ( please see attached screenshot from my XX/XX/2020 credit report ). It seems 1 )  they did not actually investigate this debt and opted to fraudulently report it as verified, and 2 ) they violated my rights under the FCRA by reporting inaccurate information on my credit report, thus preventing receipt by XXXX XXXX of my request for validation.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I owe a fiance company XXXX I paid what I owe left on the loan which was XXXX after garnishment they still havent recieved the money from my employer so they r still within money from my check every week I have to get this issue resolved by contact my employer and cant seem to get the issue fixed because they havent sent the money to the garnisher I have created a case with them on XX/XX/2021 and still has yet to be done about and it's still coming out of my pay check every week which is on Friday and it came out again on XX/XX/2021 that was the first time they took the money since I went and payed them the rest of what I owe them on which I paid it off XX/XX/2021 XX/XX/2021

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: Their investigation did not fix an error on your report

Complaint:
I filed a complaint to Equifax on inquiries on my credit report I have ask Equifax to remove these inquiries they have fail t do it, these inquiries are fraud and I want them removed off my credit there is over 20 inquiries on my credit report, I do not appreciate filing complaints and Equifax not taking me serious .so correct this by taking these credit inquiries of my credit report I have FTC identity theft report and sent it Equifax t correct this situation, now please remove, and do not put no fraud alert on my credit report, I want this resolved or I will keep filing complaints until this is removed and resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: U.S. BANCORP
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
To whom this may concern : US Bank refuses to act on a obvious fraud by an individual. I have lost {$250.00} caused by a fraudulent action by an individual using fake XXXX emails. I provided US Bank this info and their response to me was " {$250.00} posted as Requested ''. They did no investigation. The individual is still out there ripping people off. 
Here is a letter sent to U.S. Bank this week. 

To whom this may concern ; I am in receipt of your letter dated XX/XX/2022 regarding my claim of fraud and your denial of that claim. 
I find it incredible that U.S. Bank sanctions fraud and deceit as long as the fraud Posted as Requested. You obviously did no investigation. I expect to have my {$250.00} returned to my checking account. 
I explained to the claim taker I have fraudulent XXXX emails the individual used. Obviously that does not matter to U.S. Bank. There is no way that I am going to let this go. U.S. Bank is allowing a thief to continue to rip people off using U.S. Bank and XXXX. I have reported the criminality to various government agencies including the Federal Trade Commission, XXXX XXXX XXXX XXXX, and the Office of the Comptroller of the Currency since your company makes it impossible to file an XXXX Complaint. 
I expect to hear back from you no later than XX/XX/2022. I expect you to do a complete investigation and I expect you to refund my {$250.00} which was stolen by a XXXX impersonator. 

Sincerely ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV 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