BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Loan Number XXXX Bank of America Home Loans XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX To whom it may concerned, Over the past 14 months, I have tried to receive assistance from Bank of America to help me keep my home or help me with some assistance to find a subitle place to stay. This has been one of the hardest things I have tried to do.I have email, faxed and mailed documents to Bank of America Home Loans. I spoke with a customer relationship manager from Bank of America on XX/XX/2018, and she specified to me that I can be approve for a short-sale or Cash-for keys assistance. I have made numerous attempts to find out what are the issues on my loan to keep me from getting some type of assistance. The home is in very good shape, I would hate to leave it and someone will destroy it. I am also working with XXXX to help me with this process. No-one from the Bank is telling me anything. Bank of America has a sale date on my home for XX/XX/2018. The Bank specified, I have issues on my account, but wont tell me what the issues are!! What is really going on here?? Why wont Bank of America help me? I have even went the local office of XXXX XXXX representatives in XXXX about Bank of America. If, they dont want to lower my mortgage so I can keep it, Bank of America could help with me a short-sale or cash-for Keys. What happened to the Harp program to help home owners in a time of need? For the past 14 months I have sent over, pay stubs, Utilities bills, hardship letters, bank statements, all of my income to help me get approve for some type of assistance for Bank of America to tell me, they cant help me? Why would they put me thru all of this stress and turmoil for nothing? Something is not quite right with this picture. I am having frequent XXXX XXXX, and my XXXX XXXX and XXXX XXXX is very high. My doctor back in XX/XX/2018, put me on XXXX XXXX XXXX medicine. This is not right! 

This following email is dated for XX/XX/2018 to Bank of America To the Appeals Department at Bank Of America To whom it may concern, I XXXX XXXX, am requesting any other outstanding issues with the Appeals Department. Please send me a list documents I need to submit so I complete this process. 

Thank you so much, 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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
on XX/XX/2023 I requested the Trans Union, XXXX and XXXX, credit reporting to review my file on 3 XXXX XXXX loans. 

XX/XX/2023 XXXX provided their response below : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. 

Transunion nor XXXX has not deleted these incorrect items on my credit report file.

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 2016-08-19
Company: Absolute Mortgage Company, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I was referred to this broker, XXXX XXXX at Absolute Mortgage at XXXX XXXX, WA, by my realtor when buying a new constructed home. The lender was out of loop at the beginning, but I did n't mind much, as I 'm buying a pre-sale and I had plenty of time. The closing was supposed to be XX/XX/XXXX, and I signed the sale contract at XX/XX/XXXX. 

Fast-forward to XX/XX/XXXX, notice from the lender that the appraisal gon na be late as he did n't submit the rush request. Late appraisal means late closing, so I bite the bullet and extend my lease to XXXX XXXX, as the lender gave his word. 

Fast forward to XXXX XXXX, notice from the lender that the loan amount is different from the number sent over by the seller. Asking around, the lender forgot a notice from the seller back in XXXX, when an adjustment was made between me and the seller about the price. As a result, I have to pull together ~ $ XXXX at the last minute for fill the gap. The lender promise to close on XXXX XXXX. 

Fast-forward XXXX XXXX, notice from the lender the loan documents gon na be late. 

Fast-forward XXXX XXXX, notice comes saying the lender had made a mistake on my documents : my wife 's name is missing. 

Enough is enough. 

So now me, my wife and a XXXX have to move out the apartment as we can not extend our stay again and again. We 're practically going homeless. I 'm also seeking legal advice.

Company response to consumer: Untimely response
Consumer complaint received 2019-06-14
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/XXXX XXXX charged me {$700.00} for a rental that my insurance company was to paid! I put the {$250.00} deposit down! XXXX neglected to subtract the {$250.00} that was paid and bill my insurance! I never authorized this! Huntington gave a provisional credit and then reversed it on XX/XX/XXXX. They think that I need to prove I have insurance when the problem is the transaction wasnt authorized! It is not authorized!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
Well fist of all my credit line report was decreased by {$21.00} which is absolutely incorrect. My XXXX XXXX cardbstill has the original {$200.00} limit. Also XXXX XX/XX/XXXX I believe my score was decreased by over 120 points due to lack of credit use. During that time my cardbwas hacked into causing me to have to cancel my card and wait multiple weeks to receive the new card. Just as soon as it arrived it was hacked again without me to even be able to use. Causing yet another cancelation and more weeks of waiting for the new card. I was subsequently unable to even access my card for over a month. Hence not being able to utilize my credit. I'm in the process of trying to purchase my first home and your transunion score is very much so hindering me from doing so. Please contact me for any information @ XXXX XXXX Thank you 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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXXXXXX XXXX  XXXX Balance : {$0.00}.

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 2017-04-04
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian uses XXXX and it discriminates against Veterans with a VA loan. I have paid additional principal since the loan inception and have never been late or missed a payment, yet my " score negative '' items list my real estate balance is " too high compared to the original loan balance ''. In my mind this method discriminates against Veterans using the VA 100 % loan benefit by reducing the credit score which increases costs on just about everything theses days e.g. insurance on cars and homes.

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 2019-06-14
Company: VW Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
1. VW CREDIT INC with ACCT # XXXXXXXX opened on XX/XX/2016 with a credit limit of {$13000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: Morgan & Pottinger, PSC
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
XXXX filed a lawsuit which I did not contest and call and set up payments with their attorney. I called and satisfied the debt and received a paid in full letter in XX/XX/XXXX. I am attempting to refinance my home and discovered that while my consumer report shows the balance as XXXX, the attorneys office never filed the proper papers with the court to show the judgement as satisfied. I have called the attorney misled me into thinking that they had sent the letter to my local court clerks office to show the judgement was satisfied. After waiting 7 days for the letter to arrive, the attorney for the mortgage broker I am working with called and finally got the truth from XXXX the rep we had been speaking with. The truth is that the letter was sent to their local attorney in Tennessee, and he will into sign and send the letter to the court in XXXX, Tn. According to XXXX this process could take 30 to 60 days. I lived up to my part and paid the judgement in full. It has been 14 months and the attorneys office has not sent the letter to the court saying that the judgement has been satisfied and now they want me to wait 30 to 60 days longer. By the time this is done if it is done as they say, my refinance will be denied.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am filing this complaint because I have requested validation and verification of inaccurate items that I have noticed. Letters were mailed on ( ALL DATES ) and as of today I have gotten no response! It is the bureaus practice to investigate and give a resolution within 30-45 days. This has notbeenthecase. I have attached the letters and the dates that I mailed them for your reference.

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 2017-03-31
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I are co-borrowers on a mortgage loan with Ditech. My wife recently went into bankruptcy ( I did not ). Since this happened Ditech only gives me very limited access to my online account. I have no idea the amount of my next payment ( it was raised for some unknown reason ) and my online statements are blank. The only way I have account access is to call their bankruptcy department and they keep me on hold for 45-60 minutes before they answer the phone. I asked for my payment schedule in writing and they refuse to provide it. It would be nice to know how much I owe each month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I recently filed a complaint on XX/XX/XXXX. The response was inaccurate and the complaint was closed. Mr. Cooper claimed that my mortgage is 12 months past-due. I have several documents. Mr. Cooper did not obtain my mortgage until XX/XX/XXXX. All past due balances were payed by the FHA partial claim program which covered XXXX XXXX XX/XX/XXXX mortgage payment. This information can be verified by both XXXX XXXXXXXX XXXX and XXXX ( HUD Contractor ). I am having problems paying my past-due mortgage payments with Mr.Cooper because the system is not updated. My first payment was due XX/XX/XXXX, XXXXMr. Cooper informed me that it can take up to 90 days to input the correct information and to continue checking the website however, it has been over 150 days now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting 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:
Never had an account with XXXX XXXX or XXXX and I did not apply for any of these inquires.

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 2023-08-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am writing to formally file a complaint against Chase Bank for a series of issues that have not only caused me severe inconvenience but also appear to be retaliatory in nature. Here 's a chronological account of the events : Transfer Limitation : On XX/XX/2023, I attempted to transfer {$1300.00} to a friend in an emergency situation, but was prevented from doing so due to a {$500.00} per day transfer limit. This restriction seemed arbitrary and posed an immediate problem for me. 

Refusal to Remove Limit : I contacted XXXX customer service to explain the urgency of the situation and verify my identity, but they refused to increase or remove the limit. This lack of flexibility caused significant distress and prevented me from providing essential support to my friend. 

Escalation Failure : I escalated the issue to Online Account Supervisor XXXX XXXX, expecting a solution. Disappointingly, she also refused to increase the limit, displaying a lack of empathy and understanding of my situation. 

Account XXXX : Shortly after my interaction with XXXX XXXX, my XXXX account was suddenly locked. The timing of this lock leads me to believe that it XXXX have been retaliatory in nature, further adding to my frustration. 

Persistent Issues with XXXX Transfers : Now, every time I attempt to use XXXX to transfer money, the transaction is rejected, and my account is locked. The unlocking process involves calling XXXX and waiting on hold for roughly XXXX minutes each time. This ongoing problem has made managing my finances a constant struggle. 

The experiences described above reflect poorly on Chase Bank 's customer service and suggest a lack of care for customer well-being and fairness. I respectfully request that the CFPB investigates these matters and assists me in resolving them promptly. 

Thank you for your attention to this serious matter. I trust that the CFPB will take the necessary actions to ensure that Chase Bank addresses these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: United Debt Holdings, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I received a call from XXXX Arbitration telling me if I do n't pay a debt I owe to XXXX, They will put me in jail from fraud.XXXX I do have a debt with XXXX but the collection agency it is with is call United Debt Holdings not XXXX XXXX XXXX XXXX I never used any of my family members as references when I applied for the loan. I never had my bothers phone number until recently and they called him. XXXX ) I told them by law they are required to give me written documentation and the lady said she does n't have to give me anything. 
I am very frustrated because I have been scammed before and lost lot of money for this type of thing. I do n't want to be scammed again. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: Westlake Services, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I buy a car threw American car center they had went bankrupt so Westlake finance came and took my car that I was paying on it and I have been talk to them about car that was. In shop so i was still make payment they just repo my car for no reason and they was so rude

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
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: Account information incorrect

Complaint:
Subject : Dispute of Inaccurate Utilization Amount on XXXX Account Dear Sir/Madam, I am writing to dispute the accuracy of the utilization amount stated on my XXXX account XXXX The incorrect utilization amount has caused several negative consequences, affecting both myself and authorized users associated with the account. 

Account Details : Bank Name : XXXX Account Number Ending : XXXX Disputed Information : Inaccurate Utilization Amount : {$3500.00} Explanation of Dispute : Upon reviewing my account statement, I noticed that the utilization amount reported by XXXX is significantly higher than the actual utilization of the account. The reported utilization amount of {$3500.00} does not reflect the true utilization, as the account has been responsibly managed and the actual utilization is significantly lower. 

This inaccuracy has had a detrimental impact on various parties associated with the account, particularly authorized users who have experienced negative consequences due to the inflated utilization amount. This includes potential negative effects on their credit scores and the ability to access credit, despite the utilization being inaccurately reported. 

I have contacted XXXX directly to address this issue, but they have been unresponsive and have not taken any action to rectify the situation. I have also submitted a written dispute to XXXX, providing evidence of the accurate utilization amount, but they have failed to make the necessary corrections. 

I am seeking the assistance of the Consumer Financial Protection Bureau to intervene in this matter and ensure that XXXX corrects the inaccurate utilization amount on my account. I request that an investigation is conducted to verify the true utilization and that appropriate actions are taken to rectify the reporting error promptly. 

I have attached supporting documentation, including account statements and any other relevant evidence, to substantiate my dispute. If further information or documentation is required, please do not hesitate to contact me. 

I appreciate your attention to this matter and look forward to a prompt resolution. Thank you for your assistance in resolving this dispute and holding XXXX accountable for their inaccurate reporting practices. 

Sincerely, 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