BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/XXXX my score dropped 41 pints due to a balance increase of XXXX while my account is in forbearance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2019 a hailstorm damaged my property located in XXXX, TX. Both real property and personal property was damaged.The damaged real property is secured my a mortgage currently serviced by US Bank. The damaged personal property is not secured with any creditor.My insurance company mistakenly included US Bank as a payee on the claim check which included payment for damages to both real and personal property (they generally issue separate payments for personal property claims).The initial insurance check was received by US Bank on or about XX/XX/2019. When I submitted this check to US Bank, I formally requested, in writing, that the amount for the personal property be returned immediately as US Bank has no financial interest in the property and thus no right to retain the money.On XX/XX/2019, US Bank received a second claim check for additional damages to real property that were not covered by the initial check. As part of the submission of this check to US Bank, I requested formally, in writing, that they immediately release the amount they have held since XXXX  for the personal property. I made a third formal, written request for the personal property funds onXX/XX/2019.To date, US Bank has neither provided the funds for replacement of my personal property nor provided any reasonable steps I can take to obtain them.Both of these actions are contrary to the Texas Insurance Code.

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 2018-02-27
Company: Home Point Financial Corporation
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I had a problem with mistakes made on my escrow assessment for next year. After finding all the mistakes I contacted my mortgage company.in XXXX of XXXX.After talking to three different agents I was finallly able to resovlve the mistakes. 

I was told by the last agent that the corrections would be reflected on my XX/XX/2018 statement. The corrections were made but they didn't make the adjustment on my monthly payment. 

Most recently I talked to an agent on XXXX to inquire about not receiving my monthly statement. She informed me they would be in the mail by end of the week.I told her that was not sufficent time to make my payment which due XXXX XXXX. All she could say was she was sorry. I ask to talk to her supervisor. She informed me he would have to call me back in an hour. I neverreceived a cal until five hours later. 

After explaning everything to the supervisor he said he had to get with the escrow people and would call me back XXXX XXXX. After waiting all day I did not receieve a retyrn call On Monday XXXX I calledmy mortgage company again. After waiting for a half hour I finally was connected with an agent. After asking him why the supervisor didn't call me he informed me they were very busy. I asked to talk to his supervisor and he said there wasn't one on duty. 

I asked the same agent if they were going to extend my grace period because I hadn't receieved my statement yet. He informed me I did receieve oline. I told him I did not sign up for paperless billing. He once again told me I did receieve my staement online. I once again told him it was not proper because I didn't sign up for paperless billing. 

Eventually the agent hung up on me. I have not received a return call from the supervisor and still haven't received my monthly statement

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I had a HELOC open with Bank of America. Monthly Automatic payments were setup and made on the XXXX of every month. Bank of America confirms receipt of those payments having been received and posted to the account, however BofA is reporting to the Credit Bureaus as me having multiple 30, 60, and 90 day delinquencies which is A ) Incorrect and B ) Preventing me from refinancing the mortgage on my primary residence. 

I have filed a complaint with BofA and they issues a decision to the case that they were correct in their reporting and closed the case. 

On top of that, I paid off in full and closed the account on XX/XX/XXXX and they are still showing delinquent payments of 0 days in XX/XX/XXXX and 0 days in XX/XX/XXXX as well as delinquencies in XX/XX/XXXX and 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 explanation
Consumer complaint received 2020-05-19
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Every Tuesday since the Covid 19 pandemic, I have received my unemployment benefits from NYS and the addition {$600.00} from the government on my American Express Bluebird card. I woke up this morning XX/XX/2020 with an email with my DOL direct deposit but not my federal deposit. So I used the app to check my balance, it said i was locked out. So i called the number on the back of the card and it told me that my account had been permanent suspended due to a violation and then the phone automatically disconnected. 

I called American Express directly and after being on hold for over an hour I was finally connected to a bluebird rep that told me that my account was permanently suspended because I received a direct deposit that wasnt in my name. Not only have I been getting my unemployment for over a month in this account, my payroll was deposited into this account as well. All in the same name. The rep told me that there is nothing she can do, she was emailing the back office telling them I verified that was me and that it pretty much was in their hands to decide to reinstate my account..she also stated I wouldnt be getting my money..which was almost XXXX XXXX dollars.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29
Company: Consumer Adjustment Company Incorporated
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: Account information incorrect

Complaint:
I am a victim of identity theft according to the IRS I put a alert out to all three credit bureaus yeah and XXXX is the only one to have fixed most of my account except one collections account its not in there but XXXX and XXXX XXXX still have credit collections agency is that are not mine even though I told him I was a victim of I dont like that and I was part of the XXXX breach which Ive been informed from the XXXX breach settlement these are the collections accounts that have been already taken off XXXX but still show n XXXX and XXXX XXXX That I dont recognize - 1 ) Date Reported : XX/XX/XXXX Collection Agency CONSUMER ADJUSTMENT COMPANY Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$160.00} Amount {$160.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX CONSUMER ADJUSTMENT COMPANY XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ( XXXX ) XXXX XXXX ) Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$600.00} Amount {$600.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXXLast Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX ) Date Reported : XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX  XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$720.00} Amount {$720.00} Status DateXX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # # # # # XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments ACCOUNT PREVIOUSLY IN DISPUTE NOW RESOLVED BY DATA FURNISHER Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Incorrect items reporting on my transunion 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 2020-11-19
Company: Conn's, Inc.
State: AZ
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:
I paid off a contract with Conn 's appliances in XX/XX/XXXX. 

Conn 's Appliances has reported late payment history on my credit file, when no late payment was made. 

Conn 's Appliances has reported that they did not receive a payment for 90 days for the months of XXXX, XXXX, and XX/XX/XXXX. 

I provided bank statements of payment to Conn 's Appliances for those months as proof of reporting error. 

Customer service representative for Conn 's Appliances verified the payments and provided a screen capture of the payment history to Conn 's Appliances which reflected no late payments. 

I disputed the error to the consumer credit bureaus and Conn 's Appliances, and have thus far been unable to have the inaccurate information corrected by Conn 's Appliances. 

Conn 's Appliances Verified incorrect credit file information after being provided documentation of inaccuracies on credit report file with customer service agent verifying no late payment should have been reported. 

Suit was filed against Conn 's Appliances on XX/XX/XXXX for violation of FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: PA
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:
am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is in reference to the removal of PMI from my loan. The HPA states, and the CFPB Director has confirmed in a statement provided in 2015, that PMI must be removed upon written request from the mortgagor, assuming good payment history, current on payments, and value at or above original value, if the current principal balance reaches 80 % of the original loan value through normal amortization tables or actual payments, including additional payments made by the mortgagor. XXXX XXXX has stated, and the FHFA agreed that the cancellation provided under the HPA is not an obligation to them and they are free to demand that the loan to value ration equal 75 %. I have found no guidance on this issue and both the summaries from the Federal Reserve and the CFPB state that XXXX XXXX must remove PMI upon request when the loan to value reached 80 % ( assuming the previously stated guidelines are met ). The FHFA and XXXX XXXX have also stated that regardless of the CFPB 's decisions they do not have to follow them. I believe this to be false and would like assistance from the CFPB in navigating this issue. Thank you for your help, 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 2017-08-08
Company: American Credit Acceptance, LLC
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 is missing that should be on the report

Complaint:
I purchased an XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX, AL on XX/XX/XXXX. Paid my notes on time every month. XX/XX/XXXX I received a letter from them, dated XX/XX/XXXX stating that they were closing due to the death of the owner and my loan was sold to American Credit Acceptance in XXXX, SC and that nothing on the loan will change. I also received a letter from the new lender American Credit also dated XX/XX/XXXX stating they got my loan with new account number and nothing is changing and that they will continue to report my payments with the bureaus. Since they took over the loan I started asking about my credit being reported and I 've gotten told several things, they do n't report till the loan is paid off, they have been reporting it, they will check into it, then they said that XXXX motor did n't send them all the information they needed so the credit will never show and the newest one on XX/XX/XXXX is that they deleted the tradeline and my credit will never show on my reports. Since then I have asked for a letter in writing on their letterhead stating that they deleted the tradeline and my credit will never show on my credit, now they are avoiding me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
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:
I have an account with TD bank. There is no funds available in my account. Yet TD Bank keep charging my account and charging me fees for them charging my account to pay bills. I told them I did not authorize the payments so the charges are fraudulent. They refuse to remove the charges and now are asking me to pay XXXX dollars in fees. I asked the bank to close my account and they refuse. Now they are harassing me and calling me everyday at least 6 times a day and leaving voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Barclays had an offer on the XXXX card : open the card, spend {$1000.00} in the first 3 months and pay the annual fee, and then get XXXX XXXX miles. I was approved for the card on XX/XX/2020, spent over {$1000.00} in the first 2 months, and paid the annual fee ( before it was due ) .Barclays shut down my card and did not give me the XXXX points. I understand issuers can shut a card for no reason, but they still owe me the XXXX miles. 

I have attached the statement showing my spend, as well as Barclays confirming I will be receiving the bonus.

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 2018-09-18
Company: Experian Information Solutions Inc.
State: TX
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:
FTC VIOLATIONS CRA 2 SOCIAL SECURITY ALL MAJOR VIOLATIIONS

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 2017-08-08
Company: Midway Resolution Services LLC
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a call XX/XX/XXXX at XXXX, from a gentleman stating that he was a license carrier part of a national carrier and he was trying to locate me because a formal complaint has been filed against my name and my social security number to appear in court. He said he could grant me a period of time to contact the filing party to update my address for the summoning date and place a possible stop order on his services.He said to contact the filing party at XXXX and reference the docket number XXXX. I then googled the phone number and nothing came up. I also search the docket number on the Georgia public service commission website and nothing was found. I then called the number and spoke with XXXX XXXX at extension XXXX. He stated that I owed a payday loan for the amount of {$2300.00}. I received this exact same call in XX/XX/XXXX. I told him I have already paid this and I have receipts. I then asked him to provide his email address so I could send him the receipts. He gave me the email address : XXXXXXXXXXXX Once emailed I immediately received a mail-daemon that stated the mail could not be delivered. I called back and asked to speak with XXXX XXXX and told him that I did n't have the right email address because the emails were sent back. He said that they had received the emails and that it looks like I paid a fraudulent company. He then advised me to take the paperwork to court. He also gave the option to settle out of court but I told him why would I settle if I already paid. I then told him that I would speak with my lawyer.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-23
Company: AES/PHEAA
State: NC
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 have been in repayment for the Public Service Loan Forgiveness ( PSLF ) program since XXXX. I have had 4 federal loan servicers during that time and the servicers have not shared information between servicers about the status of my participation in the PSLF program as my loans were transferred among servicers. From XXXX, loan servicers misled and gave wrong information that I was on a qualifying payment plan and did not respond to requests for information about PSLF program participation, and the current servicer has delayed for two years a review of qualifying payments that they have claimed were ineligible for the program. Meanwhile, the Temporary Extended Public Service Loan Forgiveness ( TEPSLF ) program funds are available and I certainly qualify for forgiveness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-19
Company: EQUIFAX, INC.
State: IL
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 uploaded a letter to XXXX EQUIFAX AND XXXX and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. XXXX sent me an alert which said the account was updated and the company verified my account. I asked for proof of any files to verify this account and if there aren't any, please delete this account. XXXX doesn't have any files to verify this account, nor will they delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Sterling Infosystems Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is incorrect information on this back ground check that is not mine. 

* XXXX XXXX XXXX ( XXXX ) Jurisdiction XXXX  ( XXXX ) Jurisdiction XXXX ( XXXX ) I think these belong to my father XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

What is mine is the following : Jurisdiction XXXX XXXX ( XXXX ) Jurisdiction XXXX XXXX ( XXXX )

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