BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-06
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is in reference to Case number : XXXX. I have been monitoring when my mortgage statements arrive, and find they arrive, for the following month, prior to the XXXX of the current month. According to TD 's response stating payments made can be credited at their discretion, they are evidently running a scam operation here. If the prior month has been paid, they can at any point prior to the first of the next month, they can direct it to the end of the loan. How can they send a bill you are unable to pay on its arrival for fear of disaster? 
In addition, I suggest requesting the phone records at TD which will show we addressed the issue immediately! and they failed to act. We have been borrowing from our future to get by and to restore our credit over the last nearly 2 yrs. We have put countless hours into this. Ridiculous that the bank ruined us financially and shrugs it off. Nothing in our contract gives them that right. 
Yes, it has taken a long time to address this ; in part because we now spend our lives trying to get by and continue work back to where we were prior to TD Bank 's error. 
In addition, if they are going to continue their insistence it was not an error, again, the phone records and emails will suggest otherwise. And if it was not an " error '', then why did every one of the at least XXXX people we spoke with address it as such? Do they allow false information to be passed to consumers? Or do they train personnel to respond falsely? Do they not monitor these things? 
For our sake and more so the sake of those yet to come, these practices need investigation and resolution! Our health, our financial stability and our future have been negatively impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
My wife and I applied for a {$270000.00} home equity line of credit from TD Bank to be secured by our residence, which had appreciated in value since our previous financing. In order to qualify for the HELOC, TD Bank required us to refinance with TD Bank the existing, 30-year fixed rate mortgage we had with a different lender. We agreed to refinance our home as a condition to the HELOC. We simultaneously closed the refinance of the mortgage and the HELOC on XXXX XXXX, 2016. 

At the simultaneous closing of the mortgage and the HELOC, TD Bank did not collect any closing costs from us. Pursuant to the Closing Disclosure prepared by TD Bank and executed by my wife and me, TD Bank gave us " Lender Credits '' for closing costs equal to {$9700.00}. This more than offset the {$9500.00} in closing costs listed elsewhere on the Closing Disclosure. As a result, the Closing Disclosure clearly stated that the aggregate net closing costs to us were - {$150.00}. 

As soon as the HELOC closed and the funds became available to us on XXXX XXXX, 2016, we withdrew the entire available principal amount of {$270000.00}. Later that same day, TD Bank drew {$9700.00} from our HELOC account without our knowledge or consent. To be clear, at the time TD Bank drew the {$9700.00} from our HELOC account, the HELOC had already been drawn down to {$0.00}. As a result of TD Bank 's draw, our HELOC was overdrawn by {$9700.00}. 

We only learned that TD Bank drew additional funds from our HELOC account once we received notice from TD Bank that our HELOC was overdrawn by {$9700.00}. Only after we spoke to a representative at TD Bank did we learn that TD Bank intended to apply the overdrawn amount to " closing costs ''. The draw by TD Bank expressly contradicts the Closing Disclosure that it prepared and required us to sign at closing. Further, TD Bank made no effort to collect from us, or draw from our HELOC, any closing costs at closing. 

Since we first received notice of the overdraw, TD Bank has threatened us with collection on numerous occasions. We have discussed this issue with various representatives of the bank but have not received a satisfactory resolution. TD Bank representatives attempt to support their position by pointing to the Closing Disclosure. This is despite the fact that the Closing Disclosure clearly states that we were to receive a credit for closing costs from TD Bank at closing. 

We are deeply concerned by TD Bank 's actions and the threat to both our property and our credit rating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-31
Company: Altisource Portfolio Solutions, S.à r.l.
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have been a victim of identity theft. I had filed a previous complaint against the original creditor on XX/XX/XXXX with the CFPB. CFPB Case number : XXXX was the complaint against XXXX for an XXXX XXXX credit card, account ending in XXXX, that was charged after I had lost my wallet. 

On XX/XX/XXXX, I received a letter from XXXX stating:1. That this debt was discharged by XXXX. 
2. All Charges were removed. 
3. All credit reporting agencies will be notified to remove the account from my credit report. 

I have since been receiving collection letters from a Nationwide Credit , Inc. on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX attempting to collect on this debt. I assumed the first XXXX letters, even though they were one day apart in their creation, were so close to the date of the discharge that Nationwide Credit , Inc. had not been notified of the decision by XXXX. When I received the letter dated XX/XX/XXXX, I can only assume that Nationwide Credit is illegally collecting on this debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Wells Fargo denied my credit card request for the XXXX XXXX in XXXX, IL. At the time, I wanted to build a home office business. I did not have a credit history but excellent payment history with a XXXX score of XXXX. XXXX XXXX XXXX approved my credit card for a {$3000.00} limit instead, which I used to set up an <bXXXX XXXX XXXX XXXX XXXXXXXX ( but not including other equipment I wanted to get like a photography camera, drone for video footage, and sewing studio, etc. ), and I build credit history with that paid in full. I am sure if the consumer was in a different income bracket there would have been better treatment. 

The date of the attempt to get a credit card was around 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 2022-10-28
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Credit Karma, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Re : Letter to Remove Inaccurate Credit. Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : XXXXXXXX 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 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 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 explanation
Consumer complaint received 2016-04-13
Company: GREAT LAKES
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Great Lakes Student loan reported 90 day past due to the credit reporting agencies bring down my credit score by XXXX points - they have my account listed as the last payment in XXXX 2016 when I made a small payment recently just to submit a payment. And I applied for forbearance as well. The information they are providing to the credit agencies is incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been a Chase CC customer for over a decade plus and I created a new checking and savings account after several mailers from Chase that talked about a {$600.00} bonus. I opened the accounts and changed my direct deposit and transferred {$15000.00} into the newly created savings account on XX/XX/XXXX. I had no indication that anything was wrong. I received no emails, no texts, no notification on my chase apps that anything was wrong. On XX/XX/XXXX, I received a letter in the mail that the account had been flagged for fraud. I called in immediately and the help desk said that because I had not contacted them in time, the checking account was closed and the savings account, which had XXXX XXXX in it, was about to be closed. They then got on the phone with the bank that the XXXX XXXX  transfer was coming from ( XXXX ) and verified, with me on the phone, that the transfer was legitimate. This was after we manually added the other account to chase earlier in the month, using their micro deposit verification. There should have been no issues with verification. The CSR then said there was nothing that they could do regarding the closure as it was already in process and then on XX/XX/XXXX, they closed out the account. The CSR also confirmed that they had not reached out to me in any fashion other than the letter, which was recieved after Chase already started the closure process. There was no explanation as to why the bank didn't use any of the many other methods they had to contact me. Methods that they regularly use, almost daily, to send me marketing emails, texts and notifications. 
As of today, XX/XX/XXXX, I still have not received a check or my funds back. 
As an additional slap in the face, I did receive an envelope from Chase today ( XX/XX/XXXX ) but it was a paper copy of a statement showing that my account had been closed on XX/XX/XXXX and that the balance was XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-13
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
want to have paper statements, dont want to go on line to find info

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 2016-02-18
Company: FORD MOTOR CREDIT CO.
State: PA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
have XXXX leases with ford credit, my daughters car got parking tickets so the XXXX parking authority, sent letters to both myself, and ford. I paid the tickets, and so did ford. 
I sent Ford Credit, my invoices on my credit card showing that they were paid, but they have me owing this money, and have me with XXXX late payments on my lease, which I was not late..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 bureau and XXXX is not reporting this debt of a balance {$1900.00}

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 non-monetary relief
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance With Fair Credit Reporting Act. 15 USC 1681i ( A ) ( 1 ) ( A ), Can you Reinvestigate the completeness and accuracy of the list of Accounts Below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance With Fair Credit Reporting Act. 15 USC 1681i ( A ) ( 1 ) ( A ), Can you Reinvestigate the completeness and accuracy of the list of Accounts Below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
In XXXX I relocated out of state for a new job. I had difficulty selling my home and I could no longer afford to pay both rent and a mortgage. 

I contacted my lender, Bank of America, and arranged a short sale of my home. The short sale sold and closed in XXXX. 

In XXXX I was able to buy another home-there was nothing on my credit report that indicated a late payment or a short sale. 

In XXXX, late payment and short sale information appeared on my credit report. I tried to fix the dates with B of A but they only responded with rude letter about how they were only responsible for reporting late payments, and not inaccuracies. 

In XXXX, I tried to refinance my current home. Everything was going smoothly until my credit showed that the short sale was completed in XXXX four years after my home sold and closed. 

This inaccurate information is keeping me from refinancing my current home.

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 2022-10-28
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX XXXX XXXX are attempting to collect a debt from consumers and XXXX XXXX XXXX without a license to do so in the state of Tennessee. 


This subchapter does not annul, alter, or affect, or exempt any person subject to the provisions of this subchapter from complying with the laws of any State with respect to debt collection practices, except to the extent that those laws are inconsistent with any provision of this subchapter, and then only to the extent of the inconsistency. For purposes of this section, a State law is not inconsistent with this subchapter if the protection such law affords any consumer is greater than the protection provided by this subchapter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Branches : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX OH XXXX Branches : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Block, Inc.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Made a purchase using afterpay on XXXX... Purchase was cancelled from merchant XXXX saying they could not process payment .. contacted afterpay and they are giving me a complete run around to refund my first payment ... Saying I still need to make my other payments for product I did not receive... Sent them proof of cancellation and so on of proof and they r telling me merchant hasn't confirmed cancellation in which is a lie because I sent them proof that merchant in fact did notify them ... Purchase was almost for XXXX $ and payments are XXXX $ every two weeks with first down payment already taken from account..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-28
Company: M&T BANK CORPORATION
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage payments are currently being processed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They processed a payment on my behalf on XX/XX/22 that was intended for the XXXX mortgage payment and that payment has not been applied for over 30 days now. Additionally another payment was processed on XX/XX/22 and also has not been applied to the mortgage.

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 2018-05-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX closed the account around XX/XX/XXXX and charged me several ETF fees for lines that I never signed a contract for. I've contacted XXXX, they say contact the collection agency. I am not interested in dealing with a belligerent collection agency. 

I've disputed the results with all 3 agencies. Experian is just closing the dispute with no additional information. They are now refusing to open a dispute despite never providing me any information on this account. I'm waiting on responses from XXXX and XXXX. 

Experian dispute report # XXXX. 

Here is what is wrong : The amount is incorrect by a significant amount, at least {$1000.00}. 
The account reports opened in XXXX. I have not had an account with XXXX since XXXX of XXXX. 
It somehow reports that payments were due and have been missed. Again, I have not had any account since XXXX. 
I don't even know if this is related to my actual XXXX account or if it is somehow someone else 's account. Nobody will tell me anything.

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 2016-09-07
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card
Issue: Other

Complaint:
I paid a TD Bank ( Target Credit Card ) judgement in 2014. They evidently filed a XXXX for a portion of the balance. I did not receive the XXXX and as far as I can tell they never even made an effort to sent it to me. The did send it to the IRS. I just received a letter from the IRS with my income adjusted for the additional amount and it made me owe {$560.00} more in taxes. I feel that I should have received the XXXX so I could include it on my tax return. This came out of nowhere and I was not even sure it belonged to me as I had no knowledge of an account with TD Bank until several phone calls and transfers later and I finally spoke to someone that said it was a Target card and then I knew what it was about.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: Receivables Performance Management, LLC
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call several times a day ( 3-6 ). When I answer, I hear music and I hang up. On the one occasion I spoke with someone, I asked for the address and account number so I could set up a monthly payment with my bank. They told me they could n't give me an account number until debt was paid off. I told them I refuse to give my banking information but would be more than happy to set up payments via my bank. They insisted they only accept debit or credit card information. I thanked them for their time and hung up.They continue to call several times a day. They left a message 1 time with a different number to call. I Googled the company and neither number I have for them matches the ones on their website.

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