BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-06
Company: Fay Servicing, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Without my knowledge prior to it happening our mortgage was sold and is no longer under federal backing ( XXXX XXXX or XXXX XXXX ). I didnt know this had taken place until I tried to get help because of Covid! When I called Fayeservicing told me they couldnt help me because 1 ) I missed the deadline this was XX/XX/XXXX! 2 ) I wasnt backed by XXXX XXXX any longer! When I asked them to tell me when this took place they refused! I said I didnt give permission for them to take the XXXX  XXXX backing away and they informed it was one of the lines I initialed when we refinanced! I would never have initialed giving my permission knowingly because I liked knowing we were backed by Federal government! This needs to be clearly stated! 
Next complaint : we have filed twice to get loan assistance and were told we dont make enough money to get approval! Exactly why we asked for help! We have been paying on this loan since XXXX! When I called about a week and a half ago XX/XX/XXXX to see what had happened that is when I was informed we werent eligible! She told me we could still make payment arrangements so not to worry! I told her I didnt know how because we didnt enough money to pay one I didnt know how to send extra! I told her I did currently have enough for one payment and she asked me how saying something about me not reporting all my income! I told her my daughter gave me money! She didnt accept the money! I wouldnt be behind 3 payments if she would have! Last Friday I found out that my husband would likely be eligible for XXXX so this gave me hope I could make the payment with extra! So today XX/XX/XXXX I talked to XXXX I told him I was calling to make payment arrangements! XXXX told me I couldnt because it was too late! No one in my previous conversations told me about a deadline! Non of my letters have a deadline or even the suggestion that we could make payment arrangements! How am I supposed to know? There is nothing fair about how this company does business! I have asked on multiple occasions was there any assistance for veterans because my husband is a veteran! They said no! I told them I am XXXX since XX/XX/XXXX partially Covid related, nothing they can do! So because we are not backed by HUD they wont help us! I asked if I could make one payment because the we wouldnt be behind 90 days and would be eligible to make payment arrangements! XXXX refused to accept anything except for 3 full payments which would be {$2000.00}. So now we go into foreclosure because they refuse to do anything to help us at all! Next, I asked them to send the demand letter and eligibility letter certified mail and XXXX said they dont do that! I was complaining about not getting them!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: ALLY FINANCIAL INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/21, I deposited a check into my Ally Bank Checking Account using the Ally Bank App so that I could get proof of funds to my loan officer and get money into escrow as we just bought a new home. Friday XX/XX/21 I never saw the funds in my account. Usually it shows up right away or next day. I gave Ally Bank a call and they said they could not help me with any funds and that the money I put in the account could not be used until a whole week later! This has to be criminal!!! This is MY money that I need to right away or I can not close on a house and the bank tells me I can not use it! That is just down right wrong. Something needs to be done about this. Now most likely won't get the only home I have ever wanted or ever will want ; my grandmothers old house. Thanks to Ally Bank for potentially ruining my life. What a messed up way to run a business!

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 2020-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced my loan on XX/XX/2020. Bank Of American received the wire transfer on XX/XX/2020. They never applied it to my mortgage. I received an email on XX/XX/XXXX saying my XXXX payment was late and I now had a late fee. I called and they told me that I needed to call my Title company to get the wire transfer information I did that and called Bank of American again on Monday XX/XX/XXXX. I was on hold with them for over 2 hours I finally got a lady who after putting her on a conference call with my Title company said she found the wire transfer and that it would be taken care of within 3 business days. That didn't happen. I called again on Tuesday XX/XX/XXXX and after being hung up on twice and on hold for over an hour I was finally told that they weren't sure what happened the ticket was closed but my loan wasn't paid off. I was told that their manager would escalate this and contact me within 24 hours and I never heard anything. I received another email telling me I needed to make my XXXX payment so I called again and was on hold for over 2 hours and was told no one could help me. I was concerned about it dinging my credit since I have never been late on a payment before and was told by one lady that to resolve that I could make my XXXX payment and then hope this is resolved in XXXX. I do not know what else to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm assuming that you either didnt receive my letter on XXXX or your just ignoring me I noted in my dispute misleading and unverified accounts that were just placed on my account without 100 % knowing if it was accurate. At this point it has been over 60 days since disputing with you and I have yet to receive a response which is a violation. I hope that we can get this issue resolved quickly and get the items i listed removed from my credit profile to show my true credit worthiness.

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 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any remaining records. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2020-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
My name is XXXX XXXX, since XXXX bank of america closed my debit card, they keeping telling me is frozen, i was figthing w/o income im paying renting, phone bill, buy food, i have my daugther to feed, until now edd told me again my acount and verification identinty is gualified funds is ready to use or withdraw and active my card, i call bank of america i got 6pcs a costomer service i spoked to 1 get fix my problem, they get me all info everytime i call edd they asking me everytime identity need to sumbit, of course i sent to them but still until XXXX i reopen me edd acount is alredys fix thank gad!!! But bank america they dont wann active my edd debit please help me im so scarde mybe they used my information why i dont get my money? Happy holiday!!

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 2020-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
When attempting to link my bank account to an outside service, such as XXXX XXXX, who uses a debit card service, i am not able to link my bank account in order to fund it due to a PNC policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: MI
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:
These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. I am trying to by my dream home and realized I have damages on my report. Total defamation to my character. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Law Office of Harris & Zide
State: WY
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:
In response to my CFPB complaint XXXX, and other associated complaints, XXXX has updated ALL 5 Collection accounts on my XXXX credit report as " closed ''. This is not good enough whatsoever. While I'm pleased that XXXX/XXXX  has closed those shady accounts, they are still on my report and that is not acceptable. 

As all five of these are considered " unpaid, closed collection accounts '', I have the right to have these five accounts removed from my credit report entirely. Closing them is not enough, I respectfully demand that : 1 ) These five accounts are REMOVED, not " Closed '', from my XXXX, XXXX, and XXXX  credit reports 2 ) That XXXX  sends me a signed letter of deletion for all five accounts 3 ) That XXXX  instructs [ their law firm ] " The Law Office of Harris and Zide '' to stop threatening to sue me, since they clearly have no basis to collect on closed collection accounts, and that the Law Office of Harris and Zide sends me a signed letter stating they are no longer collecting, in any form, on either of the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Please help, there are inaccurate items listed on my credit file. I have disputed and nothing has changed. For an example two XXXX XXXX accounts listed that I was taken off of years ago ( authorized user ) and still listed. I don't know what else to do I need some help. These credit agencies don't even acknowledge a dispute from a consumer. They don't even have my name right.

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 2023-02-14
Company: AMERICAN EXPRESS COMPANY
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 information incorrect

Complaint:
Around 2018, fraudulent charges occurred on my American express card. I was notified by a call from American express because the charges occurred within minutes of each other from different states. I specifically remember the representative asking me how was the weather where I was. I answered it was cold and raining however the card was being used Texas at a XXXX XXXX, Florida at a XXXX XXXX, and then in XXXX at some type of resort. I was prompted to follow the fraud protocol including filing a police report. 

This account is still reporting on my credit as charged off as bad debt. When in fact is was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Im in the process of trying to buy my first home. Ive been disputing these accounts since XX/XX/XXXX and been getting a run around with the creditors and credit reporting agencies. These derogatory accounts have made a huge negative mark on my character.and credit worthiness which is affecting me tremendously in my efforts in purchasing a home. I've identified several discrepancies that violated my rights.Please help me rectify this matter. 

According to 15 USC section 1681 ( i ) These accounts are Untrue, Un-verified, Incorrect, Incomplete must be removed. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. 


XXXX XXXX  Account # XXXXXXXX XXXX. {$3000.00} is not mine. Ive reported this account as fraud with the FTC and all credit agencies. Ive requested validation of debt. They responded to me on XX/XX/XXXX and XX/XX/XXXX. They could not provide evidence because the application was taken over the phone.Ive attached letters.. 

XXXX XXXX Account # XXXX XXXX. {$3900.00}. I also requested validation of debt from XXXX. I never received it! They responded on XX/XX/XXXX using a stall tactic letter. A week. I received a letter from the collection agency XXXX. I've found inaccuracies that don't match across reporting agencies : dates open, monthly payment {$0.00}, term 72, past due amount should be {$0.00} on a chargeoff/collection, dates last active. I did not give written consent.Ive attached letters XXXX XXXX Account # XXXX - ( Late Payment ) XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Ive disputed on XXXXUSC 1681 Section 602 states I have the right to privacy.15 USC 1666 B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. 

XXXX Account # XXXX ( Late Payment ) XX/XX/XXXX, XXXX XXXX.USC 1681 Section 602 states I have the right to privacy.15 USC 1666 B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. 

Ive also requested to have address removed several times XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX, Transunion XXXX XXXX XXXX XXXX, XXXX TX XXXX, XXXX XXXX XXXX XXXX TX 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 2020-12-30
Company: Experian Information Solutions Inc.
State: FL
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:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL ANGECIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2023-09-23
Company: EQUIFAX, INC.
State: HI
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:
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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am raising this complaint to the CFPB against Capital One for negligence and disregard with respect to a dispute that was filed on my credit card in XX/XX/2022. XXXX XXXX : XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX billed my credit card and refused to give me a refund on this transaction. We were in XXXX to attend a concert on XX/XX/XXXX ; however, I tested positive for XXXX that afternoon and had to go into quarantine. When I contacted the merchant, they essentially brushed it off as not their problem and were not willing to make an exception by issuing a refund. The merchant also failed to recognize that they were engaging in deceptive practices by scheduling their " pre-concert party '' right at the same time as early entry began which is what my tickets had been for ; XXXX XXXX XXXX knew this was an opportunity to take advantage for a quick few extra bucks at my expense and even telling them I was sick didn't phase them because they'd rather me turn their event into a XXXX super-spreader rather than making one simple refund. 

Flash forward to end of XXXX when I submitted this dispute. I explained the situation to Capital One, provided the relevant information they requested including a letter outlining the timeline of events and receipt for the transaction as well as the communication between myself and the merchant. Capital One refuses to do right by their customers and uphold this dispute citing that it lacks all previously requested information needed to validate my dispute. I followed the instructions that were given to me by the agent that shared my claim was denied and uploaded everything to the portal to then be told that nothing I provided was sufficient. I think this is disrespectful and in complete violation of Regulation Z as Capital One did nothing on their part to conduct a thorough investigation and was very quick to side with the merchant over {$410.00}.

Company response to consumer: Closed with explanation