BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
validation of debt-Ask for cease and desist of phone calls. Have kept records of calls. Continue to call on daily basis. Have explained husband is on XXXX and I am on Soc. Sec. Only income. have XXXX XXXX. Unable to work. They will not send a validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: M&T BANK CORPORATION
State: MO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2016, I sent by certified mail/return receipt requested a request for information of the identity, address and other relevant contact information about the owner of my mortgage loan. The certified main was delivered to M & T Bank on XXXX XXXX, 2016. M & T Bank acknowledged receipt of my information request on XXXX XXXX, 2016. I have not received a response to my XXXX XXXX, 2016 request for information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
For over four years since XXXX, I have been trying to do a loan modification and/or short sale on a property located at XXXX XXXX in XXXX XXXX, MO through the financier, Bank of Americaa. This home, valued at {$20000.00}, has a balance of {$76000.00} owed, due to the over estimation of the value by BAnk of America. In XXXX, I attempted to short sale, and as recently as this year. Each time, BAnk of America mandated that I take off work, to the Bank to take tons of paperwork, submit tons of paperwork, only to both sides decide for no logical reason that I could not short sale. In XXXX XXXX, BoA even had their appraisers to come and substantiate the value of the {$20000.00}. Then after securing a buyer that agreed to even pay an extra {$5000.00} over their agreed-upon amount and having a closing date, they once again told me about a week before closing that they would not allow me to sell it and that I could, in their words, " afford to keep it '', even I submitted the cost that I 've incurred and that I am in the red because of this property. I was given a representative at Bank of America for assistance, only for her to tell me that she ca n't do anything for me. On top of it, they charged me " legal '' fees for a short sale that they did n't even allow!!, plus cost in leaving work because they needed me to come into their bank to [ BoA ] to fax papers. During both attempts, I used a representative real estate agent that specialized in short sales. This bank is atrocious to it 's customers. They refuse to return calls in timely manner. BoA deliberately tries to prevent short sales. I would receive less than 24 hour notices to submit paperwork for this short sale, while they would take a week or more to even reply. Additionally when I asked about modification or HARP, I was told that they could n't help me. This bank needs to be investigated.

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 2016-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/16, I received a call from a representative of Bank America. Her name was XXXX. She informed me that an unknown person in Florida had applied for and was issued a XXXX with XXXX XXXX. I did not apply for nor authorize such a card. A charge of {$2100.00} was approved. Attempted charges with XXXX in the amount of {$2800.00} was declined. My address on the record in XXXX XXXX XXXX XXXX. Why would Bank America issue a card to someone in Florida without contacting me about the different address.

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 2015-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX XXXX, I received an email from Bank of America because there was suspicious activity on my Credit Card. Someone had made a purchase for {$400.00} at a XXXX XXXX XXXX, MA. A second large purchase was attempted but declined. I informed a representative from Bank of America that the charges were indeed fraudulent. The charges were reversed from my account, the card was cancelled and my wife and I received new cards in the mail. 
Over two months later my wife and I shopped at XXXX and spent {$140.00XXXX. After checking out we realized that XXXX of the items we purchased was something that we did not need so we returned it and got a credit for {$29.00}. 
On XXXX/XXXX/15 a charge appeared on my statement for {$29.00} with the description " Fraud Dispute. '' I called Bank of America Credit Card Services and they informed me that it was decided that the charge was not fraudulent. I protested and upon further investigation and explanation, the representative told me that the charges were done by the computer system because it assumed that the merchant was issuing the credit ( for the fraud ) and they were taking back their credit. 
I stated that these stores were not even in the same area and that the amounts were not even close. The representative informed me that that was simply how the system worked. I caught this because I am someone who monitors my finances very closely and I fear that a lot of other people would not have caught it. I also question that if I return and other purchases from any XXXX that the credit I will get will be reversed by the Bank 's system. In the end the bank did agree to reverse the charge. I still however consider this a fraudulent business practice by Bank of America Credit Card Services.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card
Issue: Billing disputes

Complaint:
My second complaint. I have had several issues with XXXX XXXX. I was told that I could make more than one payment and the other payment would be for the next payment. I did that and XXXX XXXX refused to honor the payment. Causing fees and negative reporting to my credit bureau reports. If this is n't resolved my lawyer will contact XXXX XXXX and start legal proceedings in federal court. Please forward calls that were made so they can be listened to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13
Company: CL Holdings LLC
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Jefferson Financial is violating multiple sections of the FDCPA by falsely communicating information about an alleged, unvalidated debt to consumer reporting agencies. Additionally, the debt they are alleging to be mine is beyond the statute of limitations for legal action in the State of New Hampshire so I believe their erroneous reporting is an intentional tactic used to frustrate my attempts at obtaining credit in an effort to get me to simply pay their terms to " clear up '' my reports. 

To wit : Jefferson Financial is reporting an account with a balance of {$810.00} on my consumer reports. They are reporting themselves as the Original Creditor, are claiming the account as a " Revolving Credit '' account with " 1 Month '' terms rather than as a " Collection Account '' and are reporting continued late payments on a monthly basis as though I had a monthly payment agreement with them ( I do not ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: IL
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2016-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America is not taking adequate steps to protect the security of my account and is improperly assessing overdraft fees. On XXXX XXXX, a charge of {$7.00} was made to my checking account, a charge that I did not authorize. The statement said that the charge was made to a " XXXX XXXX '', a person I do not know and do not recognize a business relationship with. 
I went to the nearest Bank of America branch in order to dispute this charge. The person I spoke to at Bank of America called another department at Bank of America about the charge. The person on the other end of the line claimed that it was a charge from XXXX XXXX. I was told that I would not be allowed to dispute the charge because " XXXX would n't lie '' and that I would need to call them regarding the charge. I was also told that Bank of America would not reverse the overdraft fee regardless of whether or not they believed the charge was false. 
I do have service through XXXX, but when I called them afterwards they confirmed that any charges to my XXXX account would not be charged directly to my checking account, and that the XXXX charge was not their doing. 
Even if this charge was legitimate, I do not believe Bank of America should have authorized it. I have opened a bank account elsewhere, as my relationship with Bank of America has deteriorated beyond all repair due to another issue I am having with them. I am keeping my account open with Bank of America for the sole purpose of receiving my direct deposit checks, and as soon as the change is processed will be closing my account at Bank of America. I am keeping a low balance in my account and not even using my debit card. There was no other activity on my account on XXXX XXXX, and I had about {$2.00} in the account at the beginning of the day. Even is this were a legitimate charge, it should not have been paid to begin with, as there was not enough money in the account to cover it.

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 2015-09-29
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I was sent a letter by XXXX XXXX XXXX , XXXX that stated that a lawsuit was filed against me as the defendant and Midland as the plantiff. I called Midland and they said that yes they filed a lawsuit but I never received anything in the mail or was served a summons. XXXX, an employee at Midland, stated that it was filed but was not entered yet. I asked for the case number and she stated that it had n't gotten that far but, XXXX XXXX XXXX has a case number. The case number that they said was filed was XXXX. XXXX at Midland stated that the case was sent to the District Court of Maryland XXXX County but they do not have a case number and that the case number should appear in a couple more days. She said the case was filed on XXXX/XXXX/2015. I went on Maryland Case Search and have not found such a case number. I was scared that they would garnish my wages as the letter from XXXX XXXX XXXX said could happen. I agreed to terms that was out of my realm of ability to pay based on the lawsuit that Midland and XXXX XXXX said was filed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had an account with Bank of America, I was applying online for jobs and I received an interview for a customer service position ; I was told that I will get sent a check to purchase items for the job. Once I received the check I deposited and Bank of America informed me that the check was a fraudulent check I told them what happen and I received XXXX msg fees because XXXX pending transactions posted ; the rep informed me to write a letter exposing what happen and pay the fees and nothing would be reported to XXXX but I will not be able to open another account with them, I did What he told me and assumed I was told the truth years later while in the process of buying a home I 'm told that I was reported to XXXX as a fraudulent account this is not my fault I thought that this was a legit work from home job as I 've worked for XXXX for years ... and the representative at that time told me I would be okay ; it should not be okay to be lied to I do n't owe Bank of America any money and now I 'm being block from providing for my family because I thought my Bank would protect me but I was lied to did what I was told never committed any fraud ; all because I deposited a check that I received in the mail to to start a job that I thought was legit.

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 2016-05-24
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient claims to have purchased XXXX Federal Loans of mine. Without either the original bank or Navient informing me of a sale, Navient shows up on my credit file with XXXX 90 Day late statuses. These two late payments of 90 Days do n't show a 30 days late or even a 60 days late, but just right to 90. This tanked my credit score and is making buying a car difficult as I was told my credit is too poor for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
Product: Credit card
Issue: Delinquent account

Complaint:
There is a charge on my credit report from HSBC that is over 10 years old. I have contacted the company and asked for the contract showing this is a valid debit and they have refused to send what I am asking. All they have sent me is a statement telling me this is a valid date, but no signed contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My home is currently under a foreclosure process, but I have been taken advantage and been treated unfairly as I have been assessed unfair fees, and was a homeowner subject to both unfair debt collection practices and predatory lending practices of my original lender HSBC ( Appendix B ). My state of Illinois and XXXX County attorney general filed former suits against HSBC, and subsequently they have quietly attempted to transfer ownership and obligation to another entity - XXXX. 
Without my knowledge or consent, my home was transferred to a private entity, XXXX XXXX XXXX XXXX, from a private sale for homes under distress. My servicer is now owned by XXXX, a global private equity fund, and is owned by a XXXX named XXXX. 
So XXXX has bought my mortgage in bulk auctioned deal, at a substantial discounted rate and has even been paid a big chunk of money that came out of my mortgage insurance. By not discounting the principal of my loan, the rich investors behind the XXXX make a windfall off of me. In addition, HSBC has continued the lawsuit under the representation that it is the owner of the loan without notifying the court that the ownership has changed. 
This can be confirmed and are on record from XXXX 's financial records website ( See Appendix D ). This entity has even represented themselves as being with XXXX as Trust for XXXX, however my lender and servicer are still listed as HSBC and XXXX respectively. I am advised that under XXXX, my mortgage could be considered a non-negotiable instrument. 
This practice is very unfair - how is it allowed that the private equity bigwigs get to buy my loans at a subsidy ( HUD ), but as a homeowner with a home under water, I do n't get a subsidy when trying to save my own home. They are profiting off of my distress. 
I have tried to work my old and new lender/servicer over the last year plus, but have not gotten any resolve or assistance. I have worked with my servicer and lender directly, HUD, XXXX County Foreclosure Mediation ( Honorable Judge XXXX XXXX ), and private consultation with an attorney. I was consequently advised to contact my local Congressman, National Association of Consumer Advocates, and Consumer Financial Protection Bureau on this matter. 
I am a previously unemployed, divorced father with XXXX children XXXX XXXX old, XXXX in college, XXXX, and XXXX elderly parent ( Mom, XXXX ) who I support and live in the home. My last few correspondences have only resulted in me being told to do a short sale or deed in lieu - transactions that would only benefit the lender/servicer. I was recently even told that a modification would not be considered due to the status of the loan and the fact that it 's severely under water.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
On XXXX XXXX 2015 I submitted a {$1200.00} payment to my XXXX XXXX XXXX XXXX credit card, through the online banking service of my Bank of America checking account. 
As of XXXX XXXX, despite XXXX lengthy telephone calls ( starting XXXX XXXX ) to multiple departments at both institutions, the payment has not been credited. XXXX states their credit card department did not receive the credit ( which BofA sent electronically ), Bank of America states they sent the funds but XXXX does not want to acknowledge it. 
I have been unable to obtain ANY documentation inherent the transaction, ex. what institution, routing code, corporate receivable account, batch reference tracer code, etc. nor a written acknowledgement of my claim by either of the XXXX institutions. This despite my repeated requests for formal acknowledgement. During the multiple conversations I understood that the payment, which I had instructed BofA to send to XXXX post office box, was processed electronically and sent to XXXX as the processor for XXXX. 
On XXXX XXXX I was " conferenced in '' with representatives of XXXX financial institutions, BofA Escalation Team and XXXX Claims, who promised to " investigate '' but refused to supply any information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Other fee

Complaint:
I ( XXXX XXXX XXXX ) tried to close my Delta Gold American Express b/c of the annual fee of {$95.00}. I stopped using the card. I called nearly half a dozen times to request closure. Amexp kept giving me the run around, trying to keep my acct open. Finally a male supervisor in XXXX said he would reverse the {$95.00} and call me to follow up within 72 hours. That was XX/XX/XXXX or XX/XX/XXXX. Never happened. 

I called again on XX/XX/XXXX, and spoke to XXXX. XXXX opened an XXXX complaint to Corporate to remove annual fee. XXXX # XXXX. This is what she told me she wrote : XXXX basic card member called on XX/XX/XXXX to cancel her card product. XXXX was outside 30d window. supervisor based in XXXX would remove annual fee and call in 72hr to confirm No call was placed and annual fee was not removed. Due to that effect it caused a late fee and finance fee. XXXX paid balance in full minus the {$95.00} based on what the supervisor told her. 

It is now XX/XX/XXXX, and Amex seems to have turned my card to collections. 

My husband XXXX XXXX is going through the exact same thing!! We tried to close his account b/c of the fee. He stopped using the card months ago. Amex tries to talk him into keeping the acct. He asks for a downgrade to a free card. None available. Amex claims that they ca n't reverse the annual fee for XX/XX/XXXX even though we have n't used the account since the fee was assessed. Moreover, we stopped using the account months before the fee was assessed. 

AMEX does this every single time. We have never experienced this with any other bank. Then Amex tries to charge late fees and interest charges based on the annual fee alone!!!!! This is unconscionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: EQUIFAX, INC.
State: VA
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, this creditor has violated my rights. Under 15 U.S C 1681 section 602 states I have a right to privacy. 15 U.S. C 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. C 1666b a creditor can not treat a payment on a credit card account under an open-ended consumer credit plan as late for ANY PURPOSE. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX XXXX  Equifax CRA Acct # XXXX - Transaction history reporting on consumer report XXXX XXXX XXXX  Equifax CRA Acct # XXXX - Transaction history reporting on consumer report I DEMAND that these accounts be removed from my report due to privacy violations along with civil liability for the violation of my privacy.

Company response to consumer: Closed with explanation