BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XX/XX/XXXX - I initiated a wire transfer in the amount of {$10000.00} to my wife 's XXXX XXXX ( XXXX XXXX XXXX ) account to pay credit card bills XX/XX/XXXX - XXXX XXXX XXXX requests " additional information '' ( unknown to me ) XX/XX/XXXX - with transfer not completed, I went to the local bank center and inquire - told " transfer not completed - not sure why '' XX/XX/XXXX - with the transfer still not completed, I reached out by email to Bank of America ( BoA ) on their national support line for help XX/XX/XXXX - BoA sends me an email requesting a telephone call for " important information '' ( this presumably was instigated by my email ) XX/XX/XXXX - I called the bank with the required addition information - was told " good to go - we have what we need '' on XX/XX/XXXX - funds transfer still not completed. XX/XX/XXXX - I call XXXX XXXX XXXX to inquire, told funds were returned because the requested additional information was not provided by BoA. It has now been over 4 MONTHS - no one at BoA can tell me were my {$10000.00} are. During these 4 months I was traveling in XXXX and XXXX and have incurred uge telephone expenses amounting to over {$600.00} talking to BoA by telephone and being put on hold for 20-30 minutes at a time. Previous complaint with CFPB ( ID XX/XX/XXXX-XX/XX/XXXX ) was CLOSED without resolution. I'M OUT {$10000.00} AND NO ONE GIVES A XXXX - this is nothing short of grand theft - what country am I in?

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 2019-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
Account Number : XXXX : Source of dispute information : Bank of America Dates associated with item being disputed : XX/XX/2000 Explanation of item being disputed : it shouldnt still appear on my credit report. 



I am disputing the following information that appears on my XXXX  report : Product not received, I never had bank of America Credit Card it shouldnt appear on 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 non-monetary relief
Consumer complaint received 2023-08-05
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXXXXXX XXXX XXXX is reporting as a charged off account. This account is fraudulent and violates FCRA 15 USC 1681. It is NOT reporting accurately and is an illegal account. It must be removed.

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 2022-12-03
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received notice that my loss mitigation application had been received and found complete. 

On XX/XX/XXXX I received notice that my application was forwarded to a specialist on XX/XX/XXXX and to please allow 30 days for XXXX to process my application. 

Meanwhile XXXX continued to pursue foreclosure against me, and has rescheduled it 3 times now, current sale date is XX/XX/XXXX. 

On XX/XX/XXXX I Sent a RESPA notice of error and request for information, certified mail, to the proper address asking for the status of my Loss Mitigation Application since I have not received any results of the loss mitigation application I had submitted and that had been accepted as complete. 

On XX/XX/XXXX I received a notice from XXXX that they are " reviewing my account and will make every effort to respond to my inquiry as promptly as possible, and will certainly do so within the time limit required by law. 

XX/XX/XXXX Still waiting for a reply, I could cure this foreclosure through XXXX, but since I have a pending loss mitigation application they can not process my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Dear CFPB Representative, I am reaching out to request your assistance in removing the fraud alert on my credit report. Despite my direct communication with the credit bureaus regarding this matter, no action has been taken. The Fair Credit Reporting Act ( FCRA ) states that credit reporting agencies must investigate and correct any inaccurate information on a consumer 's credit report. In this case, the fraud alert is an error that needs to be rectified. Therefore, I kindly request that the CFPB reach out to each of the credit bureaus on my behalf to ensure the prompt removal of the fraud alert. Thank you for your attention to this matter.

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 2019-12-27
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The complaint is being filed in accordance with the letter you recently received from 23 US Senators regarding the mismanagement of the student loan forgiveness PSLF program by the loan servicer, the Pennsylvania Higher Education Assistance Agency. 

I am one of the 99 % of people who have qualified for forgiveness of student loans under the PSLF program, but are being denied due to the missteps, errors and mismanagement of the PSLF program. If properly managed my student loans would have been forgiven in XX/XX/XXXX under the PSLF program. Yet, I continue to make regular and consecutive payments 2 years after qualifying for forgiveness. I have made the required 120 payments to the Department of Education ( DOED ) and have worked full time at a qualifying employer. I made these payments since XX/XX/XXXX through XX/XX/XXXX, while being employed at XXXX XXXX XXXX XXXX, XXXX. I received a Fedloan Qualifying letter clearly stating that I have met the terms outlined in the programs guidelines, see the attached pages 2-3 and have proof of payments made to DOED, compiled by my bank, XXXX   XXXX XXXX XXXX, see attached pages 4-7. 

Shortly after receiving the qualifying letter the forgiveness was later denied, due to an arbitrary rule that the first 105 payments made to the DOED were of the Direct Loan type and considered non-qualifying. This hardly seems non-qualifying since all of the payments went directly the DOED, regardless of whether Direct Loans or Fedloan was managing the loan. I then appealed the denial and requested a reevaluation of my loan forgiveness to Fedloan in XXXX of XXXX, see attached page 8. I have had no further correspondence from Fedloan since this request was made regarding my reevaluation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: JPMORGAN CHASE & CO.
State: WA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Leased a XXXX XXXX XXXX in XX/XX/XXXX. During the COVID-19 pandemic, I deferred a payment to the end of the term. All my payments have been made on time. XX/XX/XXXX, I made a payment for XX/XX/XXXX due date. Early XXXX I called Chase as the payment had not credited to my account in full. Chase 's Agent stated that they would " investigate '' the claim and fixed the issue, as my bank reported a charge for the exact monthly amount of the lease ( {$280.00} ). On XX/XX/XXXX, I made my XXXX payment for the exact amount of {$280.00}. It is now XX/XX/XXXX, and Chase has yet to credit my account more than {$10.00} despite my weekly calls. Chase has now assessed two late fees to my account, despite my having made payment.For a solution, I would like to see the account credited the full amount of {$280.00}, as well as the late fees taken away, and my credit report repaired. It is unfair to take my money and not credit my account by the same amount I had paid. It is also unethical to damage my credit with " late payment charges '' when I had made my payment for the months in question.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-27
Company: Experian Information Solutions Inc.
State: CO
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:
A collection account for {$1300.00} appeared on my XX/XX/XXXX and Experian credit reports in mid-2019. I attempted to resolve this issue with the agency that reported the collection, XXXX. The collection agency has failed to validate the debt, including the date of first delinquency. I filed a dispute with XX/XX/XXXX and Experian who both ruled the collection account was valid. I have received no information from XX/XX/XXXX Experian or XXXX as to the validity of the debt. According to my credit reports, the account appears to be from a hospital in Arizona. I have not lived or set foot in Arizona for over 14 years, so even if the debt was at one point valid, it has been illegally re-aged on 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 2019-10-31
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I refunded a purchase on XX/XX/XXXX in the amount of XXXX. the credit from the merchant hit the card on XX/XX/19, immediately followed by a debit ( charge ) for the same amount fr American Express , titled a " merchant credit hold for review ''. This is the second time in several weeks they have done this to a refund from a merchant. It states the hold will last " up to '' seven days. The last hold kept my money in limbo for the entire week. I have contacted American Express and spoken to four different people, several supervisors, and even on their XXXX channel. They blame it on the merchant 's bank account and say they haven't actually received the funds from the merchant. This is a lie. The online account shows it is Amex placing the hold on finds and shows the funds coming back from the merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: Experian Information Solutions 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:
Yesterday I went to the car dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. I contacted the police and FTC. These are the items : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Around XXXX of XXXX MOHELA, the company that bought my student loan a few years ago, increased my monthly payment on my Income Contingent Repayment Plan by over {$1000.00} without notifying me. Because they did not notify me of the increase, I continued paying the same amount that I had been paying for the last 16 plus years. I found out about this $ 1000 monthly increase in XXXX of XXXX when I tried to get a loan for a house and I was told that my credit had a problem. The problem was that MOHELA had reported that I had missed 3 monthly payments. 
At that time I contacted MOHELA and they immediately corrected the payment to reflect the exact same amount that it had been for the previous 16 plus years. MOHELA then sent me a letter that said I was in good standing. HOWEVER, they did not rescind the notifications they previously sent to the various credit reporting agencies. Due to the fact that the notifications they sent were not accurate, I disputed their claim that I had a late payment. I contacted XXXX, XXXX  and XXXX. But MOHELA refused to rescind their notifications with any of these agencies. 
This led to a correspondence between MOHELA and myself that lasted several months that involved MOHELA giving me the run around. 
So I filed a complaint with the XXXX XXXX XXXX. Still MOHELA refused to rescind the inaccurate notices to the credit reporting agencies. My credit score is still hurting because of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: FIRST ADVANTAGE CORPORATION
State: IL
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 that should be on the report is missing

Complaint:
My background check for a job was finished today XX/XX/XXXX. It seems they can't prove my current or past employment without simply dialing a phone number. I am 50 % owner of XXXX XXXX  back to XXXX. When we opened our dba was XXXX XXXX XXXX and around 3 years or so ago XXXX XXXX XXXX   pulled our contract as we were a franchise and they were selling their entire company. XXXX   rebranded as XXXX XXXX XXXX XXXX with myself still 50 % owner. During this background check we were relocating and haven't been open for the last 3 months.The phone number I supplied them with wasn't active at the time or was a temporary phone number until we could get our old one back. I contacted First Advantage and explained this and provided them with my business partners ' phone numbers yet my partners ' said they were never contacted. The store just reopened today and I have the temporary phone number but fear in contacting them again nothing will be done. Also in validating my SSOC number they listed my old business address of XXXX XXXX XXXX XXXX XXXX Illinois XXXX which was XXXX XXXX XXXX   and XXXX XXXX XXXX XXXX  ( the place we just moved out of a few month ) ago as one of my residential addresses. This is incorrect. Also during the same process they listed an end date to my residence I have been at for 15 years and am still at paying a mortgage on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called in XXXX of last year to get a mailing address this company refused to send me a return envelope so called and ask for address to send check and I was informed that they have turned me my account over to collections I ask for the address and name of collection agency and the guy would not tell me so the address he gave me was the address to the credit card company when he ask for my number I informed him that he was not to call then XX/XX/XXXX I get yet another call from the collection

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/2021 I sent in letters regarding inaccurate reporting false items on my credit report and I have not receive any respond yet. I feel like I'm being ignored of my disputes. This deceptive practices by the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Random credit check and find out that my score has gone down because of accounts I have no knowledge of. From places like XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, none of these places attached to them I have used ever. I've tried several times to have removed and no results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: Experian Information Solutions 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:
XXXX XXXX  Date open : XX/XX/XXXX Balance updated : XX/XX/XXXX Original balance : {$300.00} Status : closed {$820.00} written off Completed investigation of FCRA dispute consumer disagrees. 

I would like to get this removed off my credit report Ive already paid the balance and the account has been closed. How do I get it removed?

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 2019-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I have contacted the XXXX, TransUnion, XXXX, and XXXX XXXX XXXX. 
Nothing has been done or verified. Per the terms of XXXX XXXX discharge if your college violated state laws and have used illegal or deceptive tactics to convince students to take out loans and attend. You wont have to pay back your student loans. The FTCs complaint charged that XXXX misled consumers in violation of the FTC Act by claiming that 90 percent of graduates actively seeking employment landed jobs in their field within six months of graduation. Advertisements making these claims appeared on television and radio, as well as online and in print and other media. 

The complaint further alleges that XXXX misled students by claiming that graduates with bachelors degrees, on average, had 15 percent higher incomes one year after graduation than the graduates with bachelors degrees from all other colleges or universities. 

The proposed federal court order requires XXXX to notify the students who will receive debt relief, and to inform the credit bureaus and collection agencies of the debt forgiveness. All loan and debt forgiveness will occur automatically. XXXX will also release transcripts and diplomas previously withheld from students because of outstanding debt and will cooperate with future requests for diplomas and transcripts and related enrollment or graduation information. 

The settlement also includes provisions designed to prevent XXXX from misleading consumers in the future. Among other things, it prohibits XXXX from misrepresenting the likelihood that graduates will get a job as a result of their degree. It specifically prohibits XXXX from including jobs students obtained more than six months before graduating whenever XXXX advertises its graduates success in finding jobs near graduation. The settlement also prohibits XXXX from misrepresenting the compensation or compensation ranges that students or graduates have received or can be expected to receive. XXXX University Agrees to {$100.00} XXXX XXXX with FTC. 

IT IS THE JOB OF CREDIT REPORTING AGENCY According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

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