BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I transferred XXXX XXXX to my checking account at Bank of America from my checking account at XXXX XXXXXXXX XXXX using XXXX The transfer happened on XXXXXXXX XXXX. Bank of America confirmed receipt of funds on XX/XX/ but has not released my funds to date ( XXXX XXXX ). This is after 8 days of holding the funds. When I contacted them repeatedly they told me that the funds were somewhere in their system but that they had no idea where and that I would have to wait for a 45 day period while they investigated the location of the funds. Bank of America acknowledged that they received my fund ( also as documented on their online banking ) but that for reasons that no one could explain to me the funds were not able to be released. They did confirm that there was no fraud issue but could not explain or release my funds otherwise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: ENCORE CAPITAL GROUP 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Lending Club Corp
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: BSI Financial Holdings, Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have my mortgage payments set on auto pay with my lender. BSI by weekly from there. The mortgage payments is put into a file type. That does not report the payments for some reason. I paid my mortgage XXXX the full payment and half of the XXXX payment BSI the lender reported my mortgage as not paid when in fact, my mortgage was paid for 2 months. And I have statements from my bank account where I paid the full XXXX dollar. I called BSI spoke with a lady by the name of XXXX. And she confirmed that they did have my payments on file for XXXX and half of XXXX. And the other half of XXXX will be taken out on XX/XX/XXXX. She didn't confirm that their system reports late payments if the payment is not paid. However, again they had my payments which was withdrawn from my XXXX XXXX account and XXXX confirmed it on XX/XX/2023 Then she stated she was going to call the billing department so that they can release my payments Again, I said that to say this BSI is withholding my payments and their consumer payments. Then reporting default and delinquent payments to credit bureau 's. Which is false information because indeed they have these payments. They're holding the payments so that they can XXXX their consumers. And I have documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX ; XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance Owed : {$160.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$24000.00} ; XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX  Balance Owed : {$5000.00} ; XXXX XXXX BalanceOwed : {$8400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX BalanceOwed : {$160.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/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 2023-06-13
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hello, I see a recent derogatory remark listed on my consumer credit report as a XXXX XXXX bankruptcy from XXXX. I have confirmed with the court that they do not verify or report bankruptcies to the credit bureaus and I am requesting full and authentic verification of this remark. 
Please verify that this public record is being reported completely and accurately. 
Please verify that that complete and full court name is reporting this. 
Please verify that the full, complete, and accurate docket identifier, bankruptcy type, account ownership type, attorney name, disposition type, disposition date, file date, paid date, and settle date. 

If you are unable to verify any of the requested information requested from the court and unable to provide proof of this verification, I request that you remove this bankruptcy immediately. All dates should be reported fully and accurately to maintain the integrity of my consumer credit reports. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Care Act for FHA, application made on XX/XX/XXXX In XX/XX/XXXX, Maryland shut down due to the COVID-19 pandemic. I received a mortgage deferment ; I was not behind on the mortgage payment, just out of work due to the Maryland State shut down. The agreement was that after the deferment, I would make my payments starting on XX/XX/XXXX. In XXXX, I started making my payments, although I wasnt back at work full-time but part-time. I still made my payments as expected as agreed in XXXX XXXX around the same time, the cares act for borrowers with the FHA XXXX VA XXXX or USDA loans was offered. I made the application on XX/XX/XXXX, and the BOA representative told me that it was complete ; I didnt need to sign any papers. Then I did it again because another representative called me and said the application wasnt made, so I did it again with a representative, and once again, I was told the application was complete I qualified for it. No other paper needs to be signed. I've making my payments were excepted thought I was on the right track. I called BOA in XX/XX/XXXX to get my interest statement to get my paperwork in order, and thats when it was bought to my attention that I was behind on my loan. I was very confused because I did the application on XX/XX/XXXX. In XX/XX/XXXX, the BOA representative said that BOA mailed the paperwork to me on XX/XX/XXXX, and I did not sign it, so I miss my chance of qualifying for the cares relief act. Ive tried to talk to BOA a representative It didnt make any sense that I was among of the first group to complete the application following the cares act on XX/XX/XXXX ; why did I not get a chance to sign the papers if the paperwork was needed to sign in the beginning, and also Im confused if I made the application on XX/XX/XXXX why wasnt the paperwork mailed to me until XX/XX/XXXX uncertified. I am currently trying to work with Bank of America. BOA is trying to get me to refinance on their terms or start the short sale process. I need some assistance at this point because I wasnt behind on my mortgage before the pandemic. I started my payments and have been consistent since the deferment,. The cares act has been extended, and I still havent spoken to anyone to help me get this issue resolved. Im a single parent mother of a child with XXXX, and Im trying to do the right thing I wasnt behind on my mortgage before the pandemic, and Ive been consistently making payments after the deferment, please help me get back on track --

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 2023-06-26
Company: Bread Financial Holdings, Inc.
State: TX
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:
Hard credit hits on my credit from XXXX XXXX, XXXX and Comentity Bank XXXX XXXX 

ALL NOT ME. 

PLEASE HELP ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I was looking to purchase a vehicle. I followed up on the preapproval letter that I have received stating that I would be eligible to get a vehicle. I then filled out the credit application. A day or two went past then I was told I denied and they would mail me a letter stating why. Shortly after I kept getting alerts that my credit was being checked by several Banks. I called Trans Union customer service to tell them these inquiries were not performed at my discretion I spoke to the representative he told me that he would remove them. But they remained yet again so customer service would not help and take care of the negative inquiries reporting to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/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 2022-02-24
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was working as a XXXX XXXX XXXX and desperately trying to figure out how to get my student loans to be in a qualified program for the Public Service Loan Forgiveness Program ( PSLF ). My employer at the time was a XXXX XXXX  which was acceptable under the terms of the PSLF. What I did not know was that my loans needed to be consolidated into a specific type of repayment plan to qualify. So simply working for a qualifying employer was not enough. I also needed to have my loans consolidated into one loan and then put into a particular repayment plan that also had to qualify under the rules of the PSLF.

When I called Fed LoanXXXX to see how to get my loans to qualify, and to let them know that I was having a difficult time making my payments which were over {$700.00} per month I was advised to by Fed LoanXXXX to have my loans put into a repayment plan that was more affordable, however that repayment plan was NOT one of the ones that qualified for the PSLF. So I lost out on many months of payments that were made but don't count towards my PSLF. 

I was also advised to put my loans in deferment during the summer ( as a XXXX  we didn't get paid in the summer so funds are extremely tight ) which I did, also not knowing that this would be problematic in terms of the PSLF I was trying to achieve.

Due to this, I have been paying back my student loans since 2014, but am only half way through qualifying for the PSLF. And my current loan amount is MORE than I originally borrowed even after paying for 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Received a letter from Bank of America stating we have unused funds from an EDD prepaid debit card. When I tried to claim the funds B of A said they can only send the money to the address on file which is my previous address. B of A told me to go back to EDD and change my address which I can not do because this my EDD claim is from XXXX and closed EDD does not keep information that long. 

Bank of America is holding over {$2000.00} of my money and will not release it. They said they will send it to The State of California in XXXX and I can get it from the unclaimed property division. Not acceptable when I have other accounts they can verify our current address from. The letter also current 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 2021-03-19
Company: Source Receivables Management LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice to collect a debt from this company XX/XX/2021 and I sent debt validation letter on XX/XX/2021 asking for information regarding this debt. I sent another letter on XX/XX/2021 because I never received any communication except the letter that was mailed to me dated XX/XX/2021. I sent a letter requesting this debt to be removed as no communication was received from my second attempt to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: GreenSky, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
GreenSky XXXX XXXX XXXX, XXXX, GA XXXX, XXXX, authorized a loan for an AC Unit and air handler on XX/XX/2020. I disputed the loan amount with the company that installed the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, XXXX, however, Greensky canceled the dispute on XX/XX/2020, although I had not received resolution from XXXX XXXX XXXX XXXX. I have attempted to resolve this problem myself, but my attempts have been unsuccessful. 

I was promised products that have a lifetime warranty ( XXXX ) for both the condensing unit, compressor and air handler/furnace. Was advised of price difference between XXXX/XXXX, but was still charged higher amount although I didn't receive the products that have higher warranties. Condensing unit fins and coils were damaged. Model XXXX XXXX XXXX ton. I requested a new condensing unit with no damage and the company was unable to provide an undamaged unit and did not provide discount for damaged goods installed. My neighbors had a XXXX XXXX XXXX XXXX XXXX ton compressor and air handler/furnace installed for {$7200.00} with a licensed local competitor. 

Deceptive and abusive sales tactics were used. Here were some of the things said to me, " When we offer 0 % financing we have to pass along the cost to our customers. '' I have filed complaints with the XXXX XXXX XXXX  and a price gouging complaint with the Texas Attorney General which are all public record. 

Attached are the receipts for my purchase and the receipts for my neighbor that show how much they overcharged me on the same size AC System from a local competitor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: Thaxton Investment Corporation
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I believe the account is invalid. HEIGHTS FINANACIAL needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.HEIGHTS XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
EOS COLLECTIONS IS CALLING MY HOME, WORK AND EX SPOUSE THREATENING TO TAKE LEGAL ACTION AND SEND A SHERIF TO ARREST ME FOR AN UNPAID PHONE BILL WITH XXXX WHEN I NEVER EVEN HAD AN ACCOUNT WITH XXXX ... .. 
I tried calling EOS who first said they were missing my social # then they called my mother 's house asking for my social or they would arrest me, mom gave them my social now they are reporting this erroneous collection on my credit report and calling at odd hours of the day with rude threatening language. 
I also contacted XXXX who had NO NO NO record of this at all and had NO idea who EOS was. Please help me stop this illegal operation of EOS this should not be allowed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-06-13
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
FTC Report XXXX XXXX Below is a copy of my complaint to the FTC. I am forwarding it to CFPB. There was already a large class action against PayPal back in XXXX from the FTC, for this same exact reason. 

Read Complaint Below I have had my money frozen over {$1100.00} in Venmo owned by PayPal. I am aware that you guys submitted a large class action complaint against them for this very reason. Without reason, they froze my account in or around XX/XX/XXXX And told me they would withhold my funds for up to six months. I just received an email on Friday XX/XX/XXXX stating that my accounts funds are now available to withdraw. That my account would be suspended and I would not be able to utilize their instant transfer option using a debit card that I would have to link a bank account and routing number and use their standard withdraw option only. I try to link my bank account using the third-party XXXX  which Venmo offers to link your bank account and it keeps giving me an error message and does not allow me to add my bank account. Ive been trying to add it manually bypassing XXXX and it still gives me an error message stating that I am unable to link a bank account. Basically Venmo is just keeping my money and when I email them nobody responds and when somebody emails back finally they just respond with templates. I re-respond addressing my concerns that they ignore on my previous emails and they respond through template emails that make no sense and basically they are just giving me the runaround and telling me that if my bank account does not link it is because the bank is not eligible with Venmo, which makes no sense because they are major bank accounts and they tell me to try another account. I have already tried three of my major bank accounts, XXXX  XXXX XXXX, XXXX, and XXXX XXXX. And Venmo insists on the fact that I need to try a different bank and they dont know what to do so basically theyre just stealing my money. Based on the previous FTC complaint in XXXX I read that they have been doing this to thousands of consumers and it looks like they still have not learned their lesson and have continued with their shady business practices since then. 

I hope somebody at the FTC is able to reach out to the correct department at XXXXnmo/PayPal so they can finally address this directly with me to link a bank account so I can access my funds that have been frozen since XX/XX/XXXX. 
My email address on file with Venmo is XXXX my user name on file is @ XXXX Thank You.

Company response to consumer: Closed with non-monetary relief