BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2020, I applied for XXXX XXXX XXXX XXXX and was accepted. Two weeks later, however, I was restricted access due to a credit issue with Bank of America. I spoke and tried to fix the issue with Bank of America, and even made sure my closed accounts were paid, but they failed to change the status. Instead, they left the status to " account fraud '', as it's automatic in the system that they automatically close an account if there is suspected identity theft. I had not been with Bank of America for quite some time already ; more than two years already, and I still have this marking. 

Numerous times I have tried to speak with XXXX XXXX XXXX to fix this issue. I even went back to Bank of America, but they told me to dispute with XXXX XXXX XXXX. The response I kept getting from XXXX XXXX XXXX was that they found the information to be accurate, which was not the case. -- There was no identity theft and this is forcing XXXX XXXX XXXX XXXX to deny me access. 

I would like to escalate this further, and kept getting delayed because of millitary orders and my independent contracting position to help keep myself and family financially prosperous in COVID-19. 

Consumer ID : XXXX Contribution Ref # : XXXX Principal Loss : Fee Reversal : Combined Loss & Fee Reversal : Paid/UnPaid/Settled : Unpaid Contribution Reason : Checking Account Fraud Contributor : BANK OF AMERICA Bank XXXX XXXX XXXX XXXX Account # : XXXX Account Type : Primary signer Attached is my security appeal for the restriction hold fo my XXXX federal account number XXXX XXXX Other parties involved -- - 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 monetary relief
Consumer complaint received 2023-09-01
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Received 3 month XXXX XXXX XXXX to start XX/XX/2023 and made first payment XXXX, XXXX. Sent {$1900.00} to cover what I thought was {$1900.00} payment. 

Sent XXXX, XXXX  payment of {$1900.00} which was returned to my bank. 

When called to find out why was told it was cancelled. Initial reason was because payment was short {$5.00} due to error on my part. I thought the payment was {$1900.00} and payment was actually XXXX. I explained that my eyesight was really bad and that I had been ill with a severe XXXX XXXX so it was an honest mistake. I asked to immediately send them the payment back plus the short amounts for XXXX  and XXXX.

However please note the XXXX  payment in the same amount was NOT returned so i was not aware there was a problem. I didnt get a letter or a call from XXXX XXXX 

They told me I would have to send an appeal. I sent an appeal to reverse the cancellation and i called XXXX times to follow up and was told each time a supervisor would call me back and never received a callback. 

I called on XX/XX/2023 to find out if was resolved yet and was told it was denied and had been cancelled because they didnt receive the assumption package! ( Letter attached ) My attorney had sent the assumption package on XXXX XXXX ( email and docs attached ). Please note the date given for receipt of assumption package was 60 days from XXXX XXXX. 

So we actually had until XXXX XXXX to submit but they cancelled in XXXX! 

This company needs to be shut down.

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 2021-03-18
Company: Receivables Management Partners, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am reaching out because I had my credit recently pulled and I was informed I had a collectio with Allied business Services that I was unaware of. I reached out to the collection company and asked them for documentation regarding debt & after speaking with them, I was able to verify with the original medical provider that I had paid this debt already and thus, Allied Business Services is not only inaccurate reporting a collection on my credit but is trying to unlawfully collect on a debt that has already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: MoneyLion Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
They provided a loan but failed to advise me that they would only loane 20 % of the loan and 8 had to pay the entire loan off to get the remaining 80 %.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Transunion, XXXX & XXXX Hard Inquiry Removals : 1. ) XXXX XXXX / XX/XX/2023 2. ) XXXX XXXX / XX/XX/2023 3. ) XXXX XXXX XX/XX/2023 This is a violation of the Fair Credit Reporting Act ( Section 1681 b ) and a serious breach of my privacy rights.

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 2023-10-06
Company: TRUIST FINANCIAL CORPORATION
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2021-03-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I obtained my written credit report from XXXX. On XX/XX/21 I sent them a Letter stating that under the fair credit reporting act, section 609 I was requesting further information on 8 negative entries including copies of the original contract or service agreement. They are now sending me dispute updates via email simply saying that the creditor had verified the information as accurate and they are refusing to supply me with these copies of the original contract or service agreement for any on the items and have not removed them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i have contacted this company several times regarding this debt. It does not belong to me. I have owned an XXXX car.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/XXXX, I made a purchase on Kohls.com. Order # XXXX, for {$630.00}. I returned the item with a return label issued by a Kohls  Supervisor on XX/XX/XXXX. The label was for XXXX and the tracking number is XXXX. I received confirmation that the package weighing over 90 pounds was received by Kohls within five days of being sent. I called Kohls a total of 11 times from XX/XX/XXXX to XX/XX/XXXX in an attempt to receive my credit refund on my Kohl 's account. a few of the managers I spoke to at Kohl 's were : XXXX, XXXX, XXXX, XXXX, and the gave me multiple stories my refund would be processed. 

It is now XX/XX/XXXX, and I still don't have my refund of {$630.00}, and I am also requesting all the interest I paid on this return since XX/XX/XXXX, Thank you kindly for your help! 

XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-01
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, XXXX XXXX informed me via email that they had not received my rent check for the month, which is {$2200.00}. I did not see this email until the evening of the XXXX and called TD Bank to confirm that the check I issued had been cashed. Checking my online bank account I confirmed that the check had been cashed but the image of the check showed the check was not endorsed. TD Bank confirmed that the check was not endorsed and should not have been processed by their payment system. 
On the morning of XX/XX/XXXX I went to my bank branch, XXXX XXXX, XXXX XXXX XXXX XXXX, and filled out their " Affidavit of Forgery : Forged, Counterfeit, Altered or Stolen Check ( XXXX ) & Unauthorized Withdrawals '' form, closed my account, and opened a new account with TD Bank. 
On XX/XX/XXXX I was informed I should return to the bank to sign TD Bank 's " Affidavit of Payee Claims Non-Receipt/Missing Endorsement ''. Both documents were notarized at the bank. I informed the US Post Master General that the check was stolen from a mailbox and opened a case #. I have spoken to TD Bank XXXX Fraud Resolution department several times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) about the return of my money and was informed TD Bank could investigate the fraud for 120 days from the time of the reported fraud. This is unacceptable as TD Bank is fully at fault by cashing an unendorsed check. I need this money for a surgical procedure and have informed TD Bank of this to no avail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The following incorrect information and changes on my credit report by TransUnion : 1 ) I noticed TransUnion reported that I was using {$9000.00} out of my {$10000.00} XXXX credit card which was incorrect, my actual credit card usage was under {$500.00}. This discrepancies downgraded my credit score. I reached out to TransUnion to inform them of the mistake, the representative would not provide a clear answer, I felt like he kept going in circles and talking fast in technical terms without ever trying to fix or solve the issue. 

XXXX ) A couple of days later they completely removed my XXXX XXXX XXXX XXXX XXXX XXXX XXXX account from the report, which then decreased my score by XXXX points. I did not ask for them to remove the card and was never told why they removed it. 

3 ) Additional to the XXXX point decrease, TransUnion has chipped away at my credit score XXXX points within the past 2 months stating I missed a credit card payment on my XXXX XXXX XXXX even though I have been paying my credit bills for over 40 straight months.

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 2023-09-19
Company: JPMORGAN CHASE & CO.
State: NH
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The dates are not perfect, however I made a verbal contract for a 60-month payment plan. The payment plan took effect and successful payments were taken out of my account for 15 months. 

Chase Bank accepted a change of address that I did not provide, nor did I approve. This change of address was not mine. They have yet to inform me how this change of address was provided to them. 

Chase Bank did not inform me that my card would only be charged for 12 months, ( even though it was charged for 15 ) before needing an updated payment. I have requested records of the contract to prove that I was not informed but have yet to receive them. 
Chase Bank says they sent letters to the incorrect address about the request for updated information, which I did not receive as my address was changed without my authorization. 

My account became delinquent without my knowledge has Chase Bank was sending mail to the wrong address, which has affected my credit score. 

When you contact Chase Bank, no one individual person can assist, however every representative puts their hand in the pot before transfers you to someone new. You must be willing and able to spend three plus hours at a time on the phone with Chase Bank, but don't expect any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EdFinancial Services
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
The federal student loan website, student loan studentloan.gov website says student loan payment due XXXX 

We applied for loan consolidation of ParentPlus loans and received a payment estimate which is {$200.00} less than current payment on Thursday XXXX 

As of today XXXX XXXXXXXX XXXX, I did not receive any update about the consolidation loan. 
Since the loan payment was due on XX/XX/ ( Saturday ), I logged into Edfinancial ( the loan servicer ) website and was shocked when the account summary page showed payment due is over {$4200.00} ( double the due payment ). 
I was not able to enroll in autopay. The Edfinancial website account summary page stated payment was due on XXXX and added next month XX/XX/ payment also. The Edfinancial website stated past due XXXX payment must be paid immediately, I paid the payment for XXXX immediately XXXX 
I made a call to Edfinancial to point out the error, no one is available. I am hoping back will happen in 24 hours. 
I made a complaint on studentloan.gov website. 

However, it is inappropriate that my account is marked as Late in Ed Financial website, when the Federal student loan.gov website stated and still states the XXXX payment is due on XXXXXXXXI have copies of these screens in pdf format. 
This appears to be an error of the servicers Edfinancial website.

Edfinancial must 1.Correct the payment due date 2.Allow autopay enrollment 3.Allow 0.25 interest rate reduction for autopay enrollment 4.Edit payment amount to the Consolidated plus loan ICR loan amount 5.Must send a copy of the corrected loan due date to me. 

I read online that Edfinancial " new '' website has many errors in the payment due date. Many borrowers have complained about Edfinancial 's wrong due dates. 
I would appreciate CFPB takes action on correcting this servicer Edfinancial 's website errors. 
Thanking You XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-03-18
Company: EQUIFAX, 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 status incorrect

Complaint:
Equifax ; XXXX and XXXX continue to report a collection on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and the agency has contacted the bureaus to remove this from my credit report. Unfortunately, the bureaus have not done this. Please remove this line item. This false reporting is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Global Lending Services LLC
State: GU
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
This predatory, unethical, corrupt lending company started the repossession process in XX/XX/2022. They have not honored their Dealer Agreement contract with the dealership, whom used false information to obtain the loan, which specifically says that " if false information is used to obtain funding they will immediately seek a refund from the dealership ". This stems from my vehicle being apart of the XXXXXXXX XXXX XXXX Recall Campaign, caught on fire XXXX separate times while I was operating it, was out of service for over XXXX  days, has had XXXX Engine replacements between XXXX miles and XXXX. 
Due to the XXXX that I have been diagnosed with, due to my XXXX near XXXX  experiences, I refused to drive the vehicle. It was picked up by them in XX/XX/2022. I called and a representative confirmed that they had picked it up and, " they would be emailing me instructions on how to retrieve my belongings " Inside that vehicle were the remains of my beloved XXXX XXXX. Ever since they took my vehicle they refuse to admit that they have it And I have called consistently every few weeks since XXXX of 2022 to ask them for updates on my XXXX 's whereabouts. We as a family are devastated. XXXX of the reps that I spoke to actually XXXX  me for leaving my XXXX 's remains inside the vehicle and said that it was my fault. The children did not get to spend the holidays with XXXX XXXX 's remains and now we have nothing left of him but our memories.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Only one of the three credit reporting agency 'Transunion '' is wrongly reporting I have late mortgage payments in XXXX and to correct the issue I provided them 12 bank statement showing mortgage payment was paid every month on time through direct debt and after multiple online disputes and calls with supervisors I was informed the best way to fix it is to ask mortgage company to send them a letter to remove the account. Mortgage company did send them a letter back on XX/XX/XXXX asking to remove the account and I was shocked as I am in the process of buying a house to find out that the wrong information still on my account which is hurting me financially.

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 2021-09-22
Company: Advanced Collection Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Advanced Collection Bureau INC XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/21 Acct # XXXX Re : CEASE and DESIST To Whom It May Concern, I am the original creditor, consumer, and natural person XXXX XXXX XXXX. ADVANCED COLLECTION BUREAU INC has damaged my name and reputation. Your corporation has displayed offensive acts towards me as a consumer and such unauthorized use that didnt serve me any benefit.

You violated my right to privacy 15 USC 1681b. You also violated 15 USC 1692c ( C ) and lastly youre currently in violation of 15 USC 1692e, false representation. 
Pursuant to 15 USC 1692c ( C ), I am notifying you and demanding that you cease all communication with me through all mediums UNLESS your corporation is describing to me the direction of which you intend to send my remedy back to me.

Pursuant to 15 USC 1692c ( C ) 2- I am invoking my specified remedy as the original creditor and federally protected consumer, I am demanding the following : 1. Deletion of this account from all my consumer reports and to stop reporting illegal activity on my files.

2. Refunding my credit in the amount of {$3500.00} as per 15 USC 1635, I have the right of rescission and shall receive all money involved in the form of a check, to the address in this letter. 
Best Regards, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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:
To Whom this XXXX concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2021-03-18
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On or about XX/XX/2020 till currently I have entered into a modification agreement with Freedom Mortgage, They never offered a deferment to put balance on back end of mortgage or more relief, just a modification to pay back unpaid balance due to Covid19. 

I entered into the modification agreement and have made consistent payments for over 1 year yet freedom has not issued a permanent modification and marked my credit current on the mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation