BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
As a preferred customer with Bank of America, my husband and I receive a lot of offers to do more business with Bank of America. One day when I was in the bank, one of the staff informed me of a special they were having on HELOC loans, so I sat down to discuss. Prior to applying, I told the bank rep that we had filed for bankruptcy 5 years ago, and asked if this was disqualifying. I was told it was not. I was asked what was the value of our home and how much we still owe. I said we owe {$860000.00} and the value was probably about $ XXXX. I was told that looks fine, so I went ahead and applied. I told the rep we were looking to get a HELOC for $ XXXX XXXX The initial application was a simply two page document. Afterwards, I was contacted by BOA and asked to supply every single piece of financial data on myself, my husband and his business - tax returns, W2s, pay stubs, acct statements, profit/loss statement, etc. Once they had all of my financial information, and had pulled and dinged my credit, I was told BOA only gives HELOCs up to 75 % of value for jumbo loans, meaning we would only be eligible for a loan of less than {$100000.00}, which didn't serve my needs. Next we were told that the loan was denied. When we spoke to a rep on the phone, he specifically requested to speak with my husband and said the loan was denied because of my lower credit score, but that BOA would be willing to approve a HELOC application only in my husband 's name. The formal denial letters sent separately to me and my husband also stated difference reasons for the denial. My letter stated the reason as " Bankruptcy on file ''. This is problematic because if bankruptcy were grounds for denying the loan, it should have applied to my husband as well. In addition, the BOA rep knew we had filed for bankruptcy before I applied for the loan and before BOA collected all of our financial data. 
In addition, on what grounds can BOA offer my husband a HELOC based on a secured property that we jointly own? He gets all the benefit of the HELOC and yet I share half the risk. Surely, this is against regulation, and it is discriminatory again women in a marital relationship. 
We filed for bankruptcy because of a failed investment debt of my husband 's. It was his debt that was XXXX, not our home nor our vehicles. I am required to share in his debt, however, financial institutions can consider us differently after the bankruptcy given his very high income and my average income. This is discriminatory and gender biased.

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 2018-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The 3 credit reporting agencies are still reporting a account that was opened in XX/XX/XXXX with XXXX XXXX and closed /discharged in XX/XX/XXXX another company called XXXX XXXX XXXX XXXX bought the debit in XX/XX/XXXX and reporting it as opened in XX/XX/XXXX this information is incorrect and currently impacting my credit greatly causing distressing harm.

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 2018-11-03
Company: EQUIFAX, INC.
State: MS
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:
What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with Equifax but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX XXXX , XXXX XXXX XXXX XXXX ( account reported multiple times ), XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( account reported multiple times ), XXXX, and XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: DISCOVER BANK
State: FL
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:
Discover Inquiry from XX/XX/2017During a standard review of my credit files from the three major credit reporting agencies I was dismayed to find an inquiry posted by YOUR COMPANY on XX/XX/2017 As you are probably aware, the credit reporting agencies regard inquiries as a statement of fact and will not allow a consumer to dispute them. They maintain that if the inquiry is on file then the company listed did in fact view the consumers record. 

Since it is unlawful under the Fair Credit Reporting Act for a person to view a consumer report without a permissible purpose I am writing this letter. 

I don't recall applying for credit or employment with DISCOVER From the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] : Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

From the 1998 FTC opinion letter XXXX at http : //www.ftc.gov/XXXX : Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$1000.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer reporting agency from which the report is procured. 

Also from the Fair Credit Reporting Act : 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ( a ) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. 

Please explain your permissible purpose for your obtaining my credit file. Should you not have a permissible purpose, please arrange for payment of {$1000.00} to the name at the address listed at the bottom of this letter. 

I look forward to hearing from you to resolve this in an expeditious and amicable manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I purchased a credit report from Experian. I then cancelled the account. Experian acknowledged cancelling the account on XX/XX/2019, but keeps billing my credit card. They won't take my calls.

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 2017-07-05
Company: CREDIT ACCEPTANCE CORPORATION
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter of validation to Credit Acceptance on XX/XX/XXXX Certified and it was picked up on XX/XX/XXXX, XXXX XXXX by an individual from Credit Acceptance. The letter was never acknowledged and I did not receive a response from the company within 30 days as I requested. I stated in my letter to comply by the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) which they disregarded. I sent another letter to Credit Acceptance on XX/XX/XXXX Certified and it was picked up on XX/XX/XXXX,  XXXX XXXX by an individual from Credit Acceptance. They sent me a letter onXX/XX/XXXX without all the information I had requested on my previous two letters and 60 days from my original letter. They did not comply with my request. I sent another letter to Credit Acceptance on XX/XX/XXXX Certified and it was picked up on XX/XX/XXXX,  XXXX XXXX by an individual from Credit Acceptance requesting to remove this item from my credit report within 10 business days due to not complying with my previous two letters or I will have to take legal actions. They disregarded this letter also. This company has not complied with my letters or the Fair Debt Collection Practices Act, 15 USC 1692g Sec.809 ( b ). I am requesting this item to be removed from my credit report.

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 2018-11-03
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have tried on several occasions to get XXXX and Equifax to correct my birthdate, but it still hasn't been corrected! XXXX I'd reporting it correctly. My birthday is XX/XX/XXXX 

Also. XXXX XXXX continues to report my account as a charge off and past due 120 days, but it has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I opened up dispute with credit bureaus last month in XXXX regarding this alleged debt. There is no proof I owe this alleged debt and and just a regular computer generated statement is not proof i owe debt. I want this account removed before I take legal action with my Consumer attorney XXXX XXXX, XXXX in XXXX, Florida

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In 2006, I applied for a student loan of {$5000.00} ( for one semester ) at XXXX. I had to do the same the next semester for another {$5000.00}. Sallie Mae picked up the loan and when repayment was due, they wanted $ XXXX  monthly. I work in retail and when you have a vehicle note and rent, that's just not possible. I spoke with Sallie Mae on many different occassion and was told my only option was forebarence or deferment. So, I did that because I couldn't afford the $ XXXX  monthly. About 4 years ago, Sallie Mae sold my loan to Navient. Same story here, $ 300-400 monthly. Finally, after digging around on their website, I found that I could apply for Income Based Repayment. My notes were supposed to be around {$50.00} for each loan ( 2 ), totaling $ XXXX monthly. I have faithfully paid that for about 3 years. Then suddenly my unsubsized loan has jumped to {$94.00} a month with no explanation. My balance has not moved and I now owe over {$15000.00} because of interest and the forbearance and deferements that I was told I needed to use because I could not pay the $ XXXX  monthly. All of my info has been transferred from the FSA website with my tax info included. I have paid thousands to Sallie Mae and Navient, only to still owe more than my original loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have a conventional home mortgage loan with PennyMac. The home value is {$340000.00}. Our initial loan was for {$310000.00}. We then paid an additional {$40000.00} in principal in XX/XX/2018. This should automatically qualify to eliminate PMI. Our balance is now {$260000.00}. 

We have contacted PennyMac several times on this and each time they claim that they will send us paperwork to complete and return. This has never happened. Every time we call they state that they have no record of our request and that they will start the process all over again. This has happened three times now as of XX/XX/18. 

I have attached my loan statement information and loan activity statement to show additional principal payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: EQUIFAX, INC.
State: GA
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 was surprised when i saw adverse effects on my credit report. I disputed the accounts with the credit bureaus and requested for evidence proving that the accounts are my responsibility and did not get a reply..CFPB please remove the accounts ASAP, nobody wants to grant me a loan because of these errors XXXX XXXX, XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/XXXX, I received a letter from Capital One explaining that after an SCRA benefit was attached to my account, my interest rate was lowered to 4 % and that they now owed me {$780.00} dollars. I called them and they said they would mail the check out to me then, and it would take up to 10 business days to receive it. 3 weeks go by and I call back again. During that phone call, Im advised that they havent sent the check because my account needs to be in good standing for 3 months and that they, will send my refund check of {$780.00} dollars in XX/XX/XXXX. I call back in XX/XX/XXXX and Im advised that my account is in good standing and they will release the check to be sent out on the XX/XX/XXXX and that it will be 10 business days maximum. I call back in XX/XX/XXXX and Im told I shouldnt have waited so long for a check and they will reissue another one that day, and to wait 10 business days again. I call again on XX/XX/XXXX and Im told its been sent snail mail. It is now XX/XX/XXXX and I called again a few days ago and Im being told to wait. I have received all my monthly statements but this check is magically missing. It doesnt make sense, and I would like this looked into. I have asked on multiple occasions Ive asked for the check to be overnighted, and was told that was not an option.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have tried on several occasions to get Experian and XXXX to correct my birthdate, but it still hasn't been corrected! XXXX  I'd reporting it correctly. My birthday is XX/XX/XXXX. 

Also. XXXX XXXX continues to report my account as a charge off and past due 120 days, but it has been paid in full.

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 2018-10-22
Company: Specialized Loan Servicing Holdings LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Sometime in XX/XX/XXXX I filed a complaint with XXXX XXXX and through his office the complaint was filed with CFPB ( complaint # XXXX ). My main complaint was against Bank XXXX XXXX as they had taken all the bad loans from XXXX XXXX XXXX XXXX XXXX. CFPB closed my  complaint as BOA claimed that XXXX XXXX XXXX XXXX XXXX has ownership of my property. On XX/XX/XXXX I purchased the property the mortgage was recorded on XX/XX/XXXX, Book XXXX @ Page XXXX. The mortgagee was XXXX  XXXX XXXX , XXXX, XXXX MIN # XXXX, the Lender was XXXX XXXX XXXX , XXXX An Assignment of mortgage was prepared on XX/XX/XXXX, by XXXX  XXXX XXXX assigning the loan from XXXX XXXX XXXX , XXXX to the XXXX XXXX XXXX XXXX XXXX , the assignment was executed by XXXX XXXX who acted as a secretary of MERS when in fact, XXXX XXXX is an Assistant Vice-President of XXXX XXXX XXXX , her signature was notarized by XXXX XXXX who also is a SAenior Business Analyst for XXXX  XXXX XXXX . The assignment was recorded on XX/XX/XXXX in Book XXXX @ Page XXXX. Since XXXX XXXX is not an employee of MERS and does not have the authority to sign in their behalf this automatically prove fraudulent robosigning and faulty loan ownership documentation which is against the XXXX XXXX XXXX and the Regulation X of CFPB. XXXX XXXX XXXX , XXXX has full ownership of the property as the original Promissory Note was not endorsed at all ; the securitization of the mortgage has been violated by mortgage transfer, for that XXXX XXXX XXXX , XXXX is the ONLY one who has the authority to foreclose the property. I requested a modification in XX/XX/XXXX and in XX/XX/XXXX I was awarded with a Home Affordable Modification, which was in violation of Making Home Affordable, the loan was to be modified for 40 years, instead was modified for 26 years, also under Making Home Affordable Guidelines I would have qualified for a Loan reduction as my property was under water instead I ended up with a deferred principal balance and a balloon payment in the amount of XXXX. On XX/XX/XXXX XXXX XXXX XXXX transferred the loan to SLS who has refused to work with me as I am going through a divorce and I am a self-supporter. On XX/XX/XXXX XXXX XXXX and XXXX XXXX XXXX issued a check payable to me and my X-husband in the amount of {$10000.00} for fire damage. MY divorce attorney forwarded the check to SLS, on XX/XX/XXXX, up to date, I do not know what happened to this money as I never received the check back or SLS applied the money to the outstanding balance of which would have brought the loan current at that time. I am requesting for this case to be reopened and bank regulators to be assigned to this fraudulent case, and I hope that this time that I will get the help I deserve, need and justice for all.

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 2017-06-17
Company: CORELOGIC 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: Account information incorrect

Complaint:
Corelogic Credc o indicated " serious delinquency '' on report provided to my potential home loan lender. I do not have any delinquency.   I tried calling the phone number on the letter provided but was on hold for extended period of time on   X/XX/2017    . I The website provides a link to submit online dispute, however the link page does not contain anyway to submit an online dispute. The consumer assistance page also does not have a link to submit an online dispute and provides only a phone number and mail address to mail the disputes. In addition, there are no fax numbers to expedite a dispute given the lack of online dispute option.  <P/> It is clear that the company is not focused on assisting consumers in resolving incorrect information being used by lenders among other businesses.

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 2018-11-03
Company: Ocwen Financial Corporation
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was left a voice message on my cell phone on XX/XX/XXXX from telephone number XXXX saying that I was going to be issued a summons, but it did not say for exactly what. They left a number to contact to get information about the summons. This telephone number is XXXX. When I called back a person answered calling themselves XXXX and identifing the company as XXXX. She asked me for my name I told them my first and last name and they verified my identity telling my last four numbers of my SS # and I confirmed it. She went on to tell me they were a collection agency that had obtained an old debt of mine. When I asked her what it was for she said it was an old delinquent bank account from XX/XX/XXXX and the collection balance was just over 900 $ and if this went to court it would reach over 3000 . I asked her the details of the account such as the bank name, the date the account was opened, and the state it was opened in. I knew I had never banked with that institution at that time and definitely not in that state, so I knew it was fraudulent and then I told her she was out of luck anyway because the statute of limitations had expired for collecting such an old debut. She said I would be served in a couple of days and to have a blessed day and then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
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:
TransUnion is reporting a XXXX XXXX XXXX  card on my credit file that does not belong to me and appears to be Fraud, I have contacted TransUnion several times to have the XXXX XXXX XXXX Fraud account disputed, investigated and removed,. TransUnion continues to deny and initiate a dispute or investigation for this Fraud account. Under the FCRA TransUnion must open an investigation and must dispute and remove any inaccurate or unverified information on ones credit file. I did not Open an account with XXXX XXXX XXXX or any one whom may be collecting on their behalf. I did not agree to any documents, i did not sign any agreement with XXXX XXXX XXXX, I did not give authorization to XXXX  XXXX back or any creditor to open an account in my name. Under the FCRA TransUnion must open an investigation and must dispute and remove any inaccurate or unverified information on my credit 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 explanation