BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Hello, I am a customer with Bank of America since XX/XX/XXXX. 

All the following checks are from my credit union account to my Bank of America account. 

precursor : XX/XX/XXXX, I used the mobile app to deposit a check of {$500.00} or so successfully. Later on that month, I attempted to use the same mobile app to deposit a XXXX check in the amount of {$10000.00} to the same account. The mobile app advised me that that there was a limit of {$10000.00} deposited into an account per month. I deposited a XXXX check of {$1000.00} into the account, to pay bills. 

SInce, I had a second account also at Bank of America, I tried to deposit the {$10000.00} check into that account. Due to poor foresight on my part, I only had {$9500.00} remaining in my Credit Union account ( after the {$1000.00} check cleared ). Thus the {$10000.00} check bounced due to in sufficient funds. Ok, my fault, both financial institutions charged me their fees. 

Now in XX/XX/XXXX : I made sure I had sufficient funds in my Credit Union account and wrote myself a check for {$9000.00} and deposited it into Bank of America on XX/XX/XXXX using the mobile app on Android. 

On XX/XX/XXXX, I find that there is a Hold placed on my deposit at BofA and the hold will clear only on XXXX. Huh, are we back in the dark ages? 

On XX/XX/XXXX morning, I go to my credit Union and I find that BofA has not yet presented the check to them to be cashed. On XXXX XXXX evening, I find that the funds have been withdrawn from my credit union account. I verify on XX/XX/XXXX night as well as XXXX morning that the Bank of America has not yet credited my account for the {$9000.00}. I have an online chat with BofA representative and am told that the hold will clear on XX/XX/XXXX. This is harassment by Bank of America, they have the funds and are taking an interest free hold till XX/XX/XXXX, and I do not have access to my own monies. 

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 non-monetary relief
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: AR
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:
Experian failed to investigate my dispute towards an account. They have failed to verify and also did not send me any method of verification on the account. it's been too long and I've received no response! before they would send stall letters, now they did not send anything 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 explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: IL
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:
The Credit Bureaus are aware that there has been unauthorized activity using my credit profile. I have issued fraud alerts with all XXXX Bureaus to ensure that proper verification is used when applying for credit. I have disputed these inquiries with the Credit Bureaus and the creditor grantors. XXXX sent back written response explaining that all inquiries are a matter of fact and will remain to affect my credit report for 2 years ( see attachment 's ). I have submitted a complaint with the Federal Trade commission Claim number XXXX ( see attachment ). These inquiries are unauthorized without permissible purpose I want these hard inquiries removed from my consumer profile immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: GA
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXXXXXX Balance : {$160.00} ; XXXX XX/XX/2022 ; XXXX XXXXXX/XX/2022.

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 2021-03-14
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: Account information incorrect

Complaint:
Collection accounts has been misreported on my credit report. 
with XXXX  XXXX XXXX, and Equifax. Ive disputed with all three credit bureaus certified mail XX/XX/XXXX, AND XX/XX/XXXX, and previous times in XXXX. I'VE I ask for validation/verification for the following : XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX Ive requested to see Verifiable proof with an original consumer contract with my signature on it. Under FCRA unverified accounts must be removed. XXXX  XXXX XXXX and Equifax failed to do any of the requested.I was sent investigation results : VERIFIED as Accurate without any supporting requested documents. Ive been in a number of breaches date breaches regarding XXXX and Equifax.. This has had negative impact on my credit scores. 

Ive requested removal several times through all the companies if they are unable to provide me copies with original signatures However this information still remains on my credit report as of

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made a mortgage payment of {$1200.00} on XX/XX/22 through my bill pay like I've been doing for years only now it's going to Mr Cooper instead of XXXX XXXX I was told by a Mr Cooper employee to not make the payment until that date, so I promptly made the payment on that date. The next day I noticed that the payment would not post until XX/XX/22 which would make it 1 day late. I have not been late on any payments to anyone in the last XXXX years so that didn't sit well with me already. After calling Mr Cooper, I was told they're allowing a 60-day grace period on any payments from the XXXXXXXX XXXX transferred accounts. Then the money was deducted from my bank account on XX/XX/22 ( upload below ) but was never posted to my loan until XX/XX/22 ( upload below ) and when I called to address the issue I was asked if I wanted to bring my account current by the customer service woman. Even though they're claiming they're offering a 60-day grace period at {$21.00} a day of interest on the loan, that equates to an additional {$170.00} of interest that's now been charged to my loan balance. I was also told by my bank that the delay of the electronic BillPay was because Mr Cooper specifically requested a check be mailed instead of accepting the electronic Billpay payment they claim they accept on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: RoundPoint Mortgage Servicing LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The County sent out a tax bill for my condo in XXXX of 2016 ( approximately {$4000.00} ) prior to reviewing and approving my application to be taxed at the homestead rate. I received a new updated tax bill in late XXXX or early XXXX and provided it my mortgage servicer Roundpoint Mortgage Servicing. I spoke to them on the phone and they informed me that a new escrow analysis would be conducted and that I would receive a refund for the shortage I was charged after the tax bill was received. I called again in late XXXX and was informed that the escrow analysis would be completed on XXXX XXXX. I logged in online and saw no change to my escrow analysis. I called again on XXXX XXXX and they informed me that it should show up online that day. It is now XXXX XXXX and the escrow analysis has still not been completed. I called Roundpoint today and they informed me that it says in their system it should have been completed but they are going to expedite request and it should be processed in 24-72 hours but then I would need to allow another 3-5 business days for the escrow analysis to be completed. I find it funny that they were so quick to perform a new analysis when they received the incorrect and higher tax bill, but at this stage I can not get an answer as to when I will receive a refund of my overpayments and my future payments are reduced to reflect my actual property taxes and insurance. I do n't trust Roundpoint anymore to provide me with accurate information and I would like to receive my refund.

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 2015-11-11
Company: RoundPoint Mortgage Servicing LLC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Since XX/XX/2015 my mortgage company, Roundpoint Mortgage Servicing Corporation, has been charging me escrow of over XXXX dollars. My homeowners insurance company told them I did not renew my policy. That was not true.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: NC
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: Problem with personal statement of dispute

Complaint:
This company fails to do their job to validate this debt but continues to report this information on my credit report. I demand this information to be deleted from my credit report if they can not provide proper debt 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 2016-05-19
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Suddenly, got a call from RoundPoint ( in XX/XX/XXXX ) that we had missed two loan payments ( XX/XX/XXXX & XX/XX/XXXX ), but our loan had been sold XX/XX/XXXX to XXXX, not RoundPoint. When we called XXXX, we were told that " for some reason '' a welcome letter had not been sent, so we asked for it. Also, to-date, XXXX is unresponsive, about why they did n't pre-tell us that this change was to occur ( and who they sold it to, so we could make the necessary auto-pay changes )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I transferred money to my friend ( A ) using Bank of America mobile banking. I put in phone number and full name when I submitted a transfer. My friend ( A ) thought his phone number was registered with BOA mobile banking because the banking center told him he could use him number for mobile banking when he was opening his account. Also, he got text messages confirming the transfer and that his account would be credited. However, the money did n't go into his account but went into different person 's ( C ) account because that person 's account was registered with that phone number. So I explained to BOA about the case and they said they would start the investigation. They told me that they have to get a verbal authorization from the person who has the money ( C ) in order to take money and give it to me. However, they told me that they had to deny my case because they could not contact the person who has the money ( C ). They said they could only contact them via phone, but that phone number is now owned by my friend ( A ) so every time they called, my friend answered the phone. I asked BOA if they could send the person who has the money ( C ) an email or actual mail asking him/her to give the bank a call about the case, but the bank refused to do so. They said they can not do that. They said I have to take a legal action in order for them to release other information such as address or email address of the person who has the money ( C ). I complained about the fact that the money went into a different person 's account even though I entered the name of the person I intended to send money to ( A ) ; however, the bank said that they only use the phone number to match the account and the name is only for my reference. As of now, the bank is not cooperating to contact the person who has the money. There is no way for me to contact that person because I do n't know anything about the person besides the fact that his/her old phone number is registered with the account so my money went into his/hers.

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 2017-01-20
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My husband had back XXXX and was out of work for 8 months then was working part-time for 5 months. I am a mother of XXXX and alone I make {$35000.00} per year. I explained this to Navient that I would n't be able to pay my $ 300 monthly payment and asked for it to be deferred or lowered until he was working full-time. Navient took all my income information and decided that i could afford the {$300.00} payment. They did n't consider any of my monthly expenses besides other student loan payments. I regret getting a loan with XXXX/Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient is unable to provide fair payment plans I have been charged as high 15 % interest rates on my private loans. 
I have paid XXXX in interest and my principal has gone up each year now exceeding over XXXX I would like the same fair repayment plans as the federal government or at least the opportunity to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: Total Card, Inc.
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Total Credit Card refuses to provide me with a letter stating my account is paid in full. They are reporting inaccurate information to the credit bureaus regarding the account. They added a comment on my XXXX Credit Report that I did not make the first payment for the card. I paid the initial {$89.00} payment. I also paid {$420.00} via money gram to close out the account. I was told by a representative of the company when requesting inaccurate information to be removed from the report " that 's not going to happen ... ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
It 's an automatic recording from Macy 's to get a credit card. When you call XXXX you get Macy 's phone tree routing system which continues to ask for your account number for which I have none. When I finally got to a human being she had no clue why I called. She was there for receiving accounts open payments. This took over an hour to get to her. So there is no where to call to have them stop. It 's getting to be twice a day. Last week I relisted with the " Do not call list '' for both phones.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-23
Company: HOVG, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I asked them to no longer contact me at work on XX/XX/2016. Continued to receive call from them at work as of XX/XX/2016. I also asked them to provide written proof of debt, and they have failed to do so.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Capital one bank XX/XX/2022 Somebody tried opening an account in my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: Berlin-Wheeler, Inc. (Kansas)
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Berlin Wheeler Inc for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Berlin Wheeler Inc, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Berlin Wheeler Inc, continues its collection efforts, I will file for litigation for actual damages caused and Berlin Wheeler Inc, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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 2017-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have an company XXXX that I know nothing of that keeps pulling my credit for no reason. I have n't applied for any credit cards due to the fact of trying to fulfill 2 past ones on my credit. I also placed a fraud alert on my report and have n't received not one call from companies while there are still being hard inquiries being reported on my credit report. It 's quit frustrating when the credit bureau does n't believe you and your already in a stressful situation.

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 2015-10-14
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Our Citibank statements either on line or in the mail no longer have copies of our checks. 
We need to see copies of the checks we write. These checks are documents we need XXXX and for other uses. 
If XXXX can give XXXX of email storage for FREE to XXXX XXXX customers, why ca n't Citibank keep less than XXXX that amount, XXXX megabyte of space to allow us to see our checks as they used to do? 
They only kept the images available for a year or so so it never amounted to a lot of storage. 
XXXX Bank is doing the same on the new account we opened there. 
Please stick up for us consumers. 
If XXXX can do it for free x XXXX, surely our bank can do it too. 
The federal government gave banks the big saving of not having to return the actual check to us. At least let us see the " virtual '' check. 
Thanks for your time and help. 
XXXX and XXXX XXXX you for your help.

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