BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Received a trial modification payment plan to begin on the XXXX of XXXX for 3 months. The payments would be XXXX, XXXX and XXXX. Once I processed the final trial payment to pay on the XXXX of XXXX I called. BofA talked with XXXX call center staff and both informed me I would just continue in XXXX XXXX period and there would be no change to my loan. Other then my loan would be extended 10 years. No change in interest rate, no change in the amount of the loan, just that my loan would have a additional 10 years. I missed 3 payments during my husband 's emergency XXXX XXXX. BofA is now placing 10 years to my loan for missing 3 months of payments. The only modification that i have received is 10 additional years to my loan. Made numerous calls to XXXX XXXX at XXXX. With no return call.

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 2021-05-10
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: Problem with personal statement of dispute

Complaint:
On or around XX/XX/XXXX of 2021 I pulled my credit report to get an update on my current standing. On the report showed 2 accounts that were unverifiable by myself. I proceeded to write to the lending institutions to request " DEBT VALIDATION '' specifically and not debt verification. I did not receive said validation in their response to me. I then went ahead and filed a dispute letter with all 3 credit bureaus about these accounts and stated in the letter that whatever conclusion they come to i would like written proof of their investigations and findings. All 3 credit bureaus sent me a letter saying the debt had been verified along with a copy of my credit report, but no proof of how it was verified. I have written them several more times since then and they have repeatedly have given me the same response regardless of the fact that i have been demanding proof of validation of said debts. I believe that all 3 bureaus ( Transunion, XXXX  XXXX XXXX ) are all in violation of FCRA statutes.

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 2020-11-09
Company: EQUIFAX, INC.
State: LA
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 have spoke to XXXX, Equifax and XXXX  and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. I work extremely hard and in need of a new vehicle to get to and from work. This is really impacting my credit score and personal life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I went to the Bank Of America ATM to make a cash deposit of {$250.00} then I transferred {$60.00} from my chase account to my Bank of America account next I attempted to withdraw {$300.00} I was denied access of the withdrawal the ATM displayed that this machine is malfunctioning to contact the ATM department. Once I called the ATM department to verify my Identity I was then able to receive my {$300.00}. The Remaining balance was {$10.00} that I transferred back into my chase account. The next day XX/XX/2022 my account was on hold/freeze I went back to that branch of the ATM I had used and spoke with the Branch manager who confirmed that the ATM machine I used have been malfunctioning and experiencing issues and they have put in a work order for it. I contacted Risk and Closure throughout the following days and they stated my account was under review I explained the situation and I was given a date of closure XX/XX/XXXX. XX/XX/XXXX passed I call to insure the closure date and it has moved to XX/XX/XXXX on here it is XX/XX/XXXX I called to confirm the account is closed and my distribution of my funds but instead was told my closure date has been pushed once again to XX/XX/XXXX. Since XX/XX/2022 I have went to XXXX Bank of America XXXX including the one I originally opened my account with they refused to assist me an in any manner that I must wait on a check. I have requested the release of my funds 3 times and have been denied due to still ongoing investigation to no fault of my own for a ATM issue. I have been denied any request or assistance from the bank and department to my account I need access to my funds ASAP as I have bills past due and kids who need medical care.

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 2017-10-31
Company: Experian Information Solutions Inc.
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:
This is a complaint against XXXX card, XXXX. Inquiries date : XXXX XXXX and also XXXX XXXX. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.

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 2021-04-19
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have many accounts reporting that I was late on the account and never was. I have tried time and time again with the companys and I have had no success. They are all false reports on my credit and I need help getting them removed. 
XXXX XXXX bank last 4 of account XXXX was late on XXXX, XXXX and XXXX of XXXX. I was not XXXX XXXX bank of account XXXX was late on XXXX, XXXX, XXXX, XX/XX/XXXX. I was not late. 
First premier bank account XXXX was lat on XXXX, XXXX, XX/XX/XXXX. I was noXXXX XXXX XXXX bank account XXXX was late on XXXX, XXXX and XXXX are all false XXXX XXXX auto loan account of XXXX was late on XXXX, XXXX and XXXX of XXXX was false Department of education account unkown was late on XXXX, XXXX, XXXX and XXXX of XXXX is false as well Also many hard inquires were filed and need to be removed that I did not authorize. 
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 non-monetary relief
Consumer complaint received 2022-03-10
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:
The account listed has fraud on the contract, full disclosure was not made to me, the consumer. Proof of claim affidavit was mailed via register mail XXXX but no reply. 
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 non-monetary relief
Consumer complaint received 2017-11-02
Company: Experian Information Solutions Inc.
State: GA
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:
RE : Unverified Accounts I recently filed a complaint on Experian and their response was : The are in the process of contacting the data furnisher ( s ) and/or public record vendor ( s ) as needed to verify the accuracy of the information with which I disagree. 
They also advised to contact the creditor directly at the addresses provided on my personal credit report They also sited that : According to the Fair Credit Reporting Act ( FCRA ), a national consumer credit reporting agencys role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the source of the disputed information and informing them of all relevant information regarding the consumers dispute My complaint was to simply to inform them that after reviewing it I found a number of items on the report that are Unverified. I asked that they send me copies of the documents that they have in their files as of this date that they used to verify the accuracy of the accounts. 

Under the Fair Credit Reporting Act, 15 U.S.C 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their files at the time of this request concerning the accounts that they are reporting in my credit file. I need copies the documents that they should have readily available in their files that were used to verify the accounts. If they do not have any documentation in their files to verify the accuracy of these disputed accounts to please delete the immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( 1 ). By  publishing these inaccuracies and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness. 

Under the FCRA 15U.S.C 1681i, all unverified accounts must be promptly deleted! Therefore, if they are unable to provide me with a copy of the verifiable proof that they have on file as required by law for each the negative accounts listed on my credit file then you must remove these accounts from my credit report. They should not have to obtain information from any other agency as they should have these documents on file as they have told me on many occasions that the accounts they are reporting are verified.

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 2021-04-19
Company: EQUIFAX, INC.
State: AL
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:
At different times each of the 3 credit bureaus will lower my credit score by approx. 50 points. When I review the information change the changes are positive. i.e. paid credit cards to {$0.00} etc. I understand when my credit score goes down due to adverse information but can not accept the the fact that two credit score will go up 47 ( XXXX  ) points 49 points ( XXXX  ) on new information and another one will go down 40 ( Equifax ) points at the same time on the same information, it is almost like the agencies do not want to have my scores improve past 700. I have worked tirelessly for 3 years and feel I am being treated unfairly

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: BlueChip Financial
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Georgia State Information Legal Status : Prohibited Citation : Ga. Code Ann . 16-17-1 et seq. 

Small Loan Rate Cap ( Industrial Loan Act ) 60 % per year usury cap This company charge way to much interest on their loans. I borrowed {$300.00} on XX/XX/2018 and have since payed that sum back plus more. 

XXXX XXXX XXXX XXXX is a law firm out of California that is investigating this company. This is what was said about XXXX from this law firm, " XXXX is an internet payday/installment lender that is issuing loans with interest rates that well exceed Californias limits. XXXX tries to avoid following Californias interest rate limits by purporting to be affiliated with a XXXX XXXX XXXX, even though our investigation indicates the XXXX does not control nor operate the lender. We believe this is wrong '' ( Cited from : XXXX XXXX XXXX ). 

I can't continue to pay the {$59.00} every 2 weeks that are ACH out of my paycheck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 recently discovered this issue, BOA reported in XXXX of 2020 an overdraft on my BOA credit card to XXXX credit reporting agency. I have a couple of questions, if there was a credit limit on my card and a charge exceeded that amount, why was my card accepted? Second, why was I never informed by BOA that this was reported to XXXX? 

At the time this occurred I was in the XXXX XXXX XXXX XXXX 2020 ). I do not know the exact amount in question, as I was dealing mostly in foreign currency XXXX XXXX XXXX XXXX. Also, as stated above why was the card accepted and why was I not informed that this information was reported to 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 2020-11-09
Company: U.S. BANCORP
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I got approved of Pennsylvania regular unemployment benefits due to my unemployment which was to be paid by US BANK RELIA CARD, despite the arrival of my card i cant acccess fund in my relia card account or send out to my personal account after submitting necessary verifications requested by US BANK to enable me access my unemployment funds which i have been calling back and forth for 2 months, PLZ Im a single dad with a XXXX XXXX XXXX. Every time I call I ask the rep that answers how they would survive without $ $ for a month.

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 2019-04-12
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have owned the card for several years and they always tell me that at this time they are not offering lower interest rates. this is not acceptable. I am having financial difficulty and need to pay off this card. It would greatly help to have the interest fee lowered and they will not budge. They have stated the policy has changed and also they did not offer any incentives for me to pay off the card faster. please help.

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 2022-03-10
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 Direct Consolidated loans serviced by FedLoans that are eligible for PSLF forgiveness under the PSLF waiver. FedLoan continues to send emails with misinformation about the waiver. It continues to claim that it is assessing payment counts for the *PSLF waiver. '' On XX/XX/22, I received a letter from FedLoans about an update on my PSLF payment counts with the phrase : " The charts above display the total number of eligible and qualifying payments you have made ( out of the required 120 ) on your eligible loans for PSLF and TEPSLF, including any periods we have assessed as eligible or qualifying under the Limited PSLF Waiver. '' FedLoan does not assess payments for the Waiver. Only the DOE does that. However, by continuing to claim that it does so and informing borrowers of this false claim in letters, FedLoan is causing a panic among borrowers. These borrowers in turn flood FedLoan phone lines and email boxes asking for clarification. This, in turn, causes delays for everyone, including those with legitimate questions. It also causes more complaints for the CFPB. Which is why you are stuck reading this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I called Paypal Credit in XXXX after I got my statement that said my account was closed. They are presently pretending that they do not have that call at all. 

I spoke to XXXX and XXXX who is a supervisor. 

I asked for a way to pay this via a settlement and time to pay. I was told that they couldnt do it because the account was only 132 days past due as it XXXX XXXX, XXXX even though it was closed.They call it past due because I did not pay ALL of the balance owed. I was making small consistent payments each month. 

I have NOT had any other correspondences from Paypal Credit since that last statement in XXXX, I think. Neither by phone, email or snail mail. 
They told me back then I could pay on that same day I called them in XXXX and pay 70 % of the balance, and I said to them if I could pay you that much I would not be asking for a plan. 
Now I am able to pay them some money, and I see that I have no option to pay I call them. I am told its charged off. Why didnt I have any correspondence from you? They claim that Itold them to call after XXXX XXXX. I am XXXX and If I did say call me after XXXX, they must have converted the time to central which would have been my XXXX and their XXXX. So to make it look like I was I bad, they put down XXXX. I never said they couldnt write or email. I still get email from them offering me a credit card. As recent as this week. 
XXXX to whom I spoke this morning, told me he would give me the number to the collection agency that they sent it to after I told him I did not get anything from anyone to say I have a charged off account. 
Why would I call a collection agency who had not contacted me? And why would I do that knowing that Paypal Credit has not contacted me in anyway to tell me my account was charged off and that they were sending it to a particular company to collect?
I would like to pay my balance with Paypal Credit. And I would like to have the opportunity to pay using a plan because I asked for it before hand was told it was too soon and immediately after they charged it off and sent it away it seemed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10
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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2022-03-10
Company: PNC Bank N.A.
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:
Hi, I applied for a Heloc for the amount of {>= $1,000,000} with PNC bank in XX/XX/XXXX. 
I was told the process would take around 45 to 60 days. Previously, I had a Heloc with PNC bank that I paid off in a few months. My expectation was everything would be the same since my credit rating is better and my bank is PNC bank. I was going to use the money to pay off some of my credit cards. Since I applied for the loan, I have pay off half of my credit cards, and I provided all the documents to the bank. I feel like I have been discriminated based on my previous loan which was back in summer of XXXX. My credit rating is much better and PNC should have access to my soft credit report since I am their own customer. My financial hasn't been change, my assets our stronger and my credit rating is better. I also have a better job since XX/XX/XXXX. I applied for the loan in XX/XX/XXXX and now is XXXX XXXX a lot has changed since I applied for the loan. I tried to escalate the matter internal but I haven't been successful. 
ordinary people such as me apply for a loan to pay down their debt and access to the capital shouldn't be monopoly only to a certain group of people. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Around XX/XX/2020, I sent Capital Chrysler an insurance check for them to sign and send back. My name was on the check as well as Chrysler Capital. This was for an insurance claim I filed due to an auto accident. The vehicle has been repaired and has been ready for pick up since the end of XXXX. Chrysler Capital requested a final estimate and a W-9. The repair shop and I have sent these documents multiple times and in multiple fashions such as email, fax. Chrysler Capital claims they have not received them. I do not know why they are giving me the runaround. They need to send XXXX XXXX XXXX the check so I can pick my car up.

Company response to consumer: Closed with explanation