BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, I was in the process of a FHA Modification with Bank of America. I hired an attorney, attended a seminar to meet account specialists, and complied with whatever was needed in order to obtain the modification and remain in my home. During the trial period of the modification, Bank of America placed a recorded a lien with XXXX XXXX register of deeds in XX/XX/XXXX and sold the loan to XXXX XXXX XXXX which then sold it to XXXX XXXX XXXX in XXXX. Once again, a trial period was demanded with a down payment of {$10000.00} following trial period of {$2500.00} each month. Consequently the loan was transferred to XXXX XXXX XXXX. 
In XX/XX/XXXX, I decided to sell my home and learned about the partial subordinate lien ( second mortgage ) placed by Bank of America. 
I reached out to Hud and was informed the case number does not exist. After several attempt to register in the XXXX  Portal, I had one person respond via the XXXX XXXX chat that the Bank of America recorded a lien but never filed a clam with HUD. I was also inform to contact my primary servicer and to inquire if they will file a claim if not it can be released. I have reached out several times and I do not get any replies. 
I would appreciate help from anyone at this time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: Experian Information Solutions Inc.
State: NC
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:
IamtryingtoapplyforamortgagebutXXXX,XXXXandExperianwerenotreportingmyscore.DidsomeresearchandfoundoutthatIneedtocontacteachoneandaskthemtoremove"DisputeComments''sincethedisputewasalreadyclosedwithmyvisawhichIhada30daylatepaymentinXX/XX/2017.IwasabletofixthiswithXXXXandXXXXBUTcannotdoanythingwithExperian.WhenIgoonlineIgetascreenthatstates"DisputeCantbeprocessedonline''PleasecallXXXX.Ihavebeencallingthatnumberwhichisonlyarecordingwithmenu'sandthenhangsup.IhaveXXXXallnumbersandhavebeentryingtocallthereforweeks.ItsfrustratingbecausethereisnothingIcandoandnowaytogetintouchwithanyone.Thereisnotchatsystemorevenanemailwheretosendaletter.Howcanthiscompanycompletelyruinmycreditlikethiswithoutprovidinganyoptionstofixit????

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 2023-08-21
Company: Lockhart, Morris & Montgomery Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 experiencing a problem of identity mismatch and credit reporting negligence, tried a-lot but nothing changed. I have two account showing in my credit report which don not belong to me. One is XXXX credit card with limit XXXX $ which opened in XX/XX/XXXX. Other one is government student loan of {$21000.00} and opened in XXXX, XXXX. The problem is When these accounts opened I was not in XXXX. I moved to XXXX on XXXX XX/XX/XXXX which I have all proofs. I disputed these two account 3 times with trans union credit bureau in past 2 years and one time visited in person to discuss that after confirmation from customer representative and they denied to meet when I was there in front of office rather they always says the accounts belong to you and rejected my dispute. I directly contacted the creditors and they clearly mentioned these account not belongs to me. Trans union is XXXX XXXX me and it become unbearable for me.

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 2021-12-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Over a month ago, I exited the COVID-19 forbearances for my loans into COVID-19 Payment deferral arrangements. I then asked to have the repayment of the escrow shortages from COVID-19 forbearance spread out over XXXX years ( XXXX months ) given this can be done. This is not yet done.

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 2023-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I paid extra monthly for my Bank of America credit cards to be covered under protection if my spouse was XXXX. For months, I was charged late fees due to them not giving me the benefits that I paid for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2023 at XXXX XXXX  EST, I received my Monthly Activity Summary Report email from Experian which indicated an Internet Surveillance issue. Immediately following that email, I received another email indicating an Experian Security Alert! 

I immediately logged onto my Experian Account, but I had to get a new password which was highly unusual. After I logged off, I have not been able to logon again because the Experian Security Verification information does not match my original Account Creation Information. I have been trying for 2 days to contact live Experian Technical Support Personnel, but the Experian Telephone Support Menu does not allow that option! I believe that my Experian Account has been hacked, and I respectfully request your assistance in resolving this matter! Thank you for your assistance! 

Best Regards, 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 2023-04-17
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:
I've found that my credit report has erroneous information for the third time now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 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 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 2023-08-19
Company: NAVY FEDERAL CREDIT UNION
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: Reporting company used your report improperly

Complaint:
I am writing to file an official complaint against Navy Federal Credit Union due to their repeated and unjustified failure to provide me with Form 1099-C, a necessary document for tax reporting purposes. Despite my numerous attempts to communicate with the company and request the form, I have been met with an alarming lack of responsiveness and a disregard for their legal obligations. 

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 I trust that the Consumer Financial Protection Bureau will handle this complaint with the utmost attention and take steps to ensure that my rights as a consumer are upheld. Please keep me updated on the progress of this case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: Nelnet, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These 3 agencies XXXX, XXXX and XXXX are in violation of 15 U.S.C 1692g. They were to notify me of this in writing 5 days prior I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Please delete these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: Continental Finance Company, LLC
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I do have credit card name XXXX under Continental Finance. I joined the XXXX XXXX for credit counselor in XXXX. The CF accepted our program for make payment plan for XXXX dollar every month. The Fee, Late Fee and High interent are suppose to removed it since I am in credit counselor program. The started payment in XX/XX/2018. Made payment XXXX dollar to CF every month since XXXX to now. They havent removed the fee, fee late and others since XXXX. They keep charged me on XXXX monthly fee, XXXX on late fee and high interent XXXX it is almost XXXX dollar from XXXX to now. My credit card balance last time is XXXX to joined the credit counslor last XXXX. Now my balance is XXXX during credit counselor program. Last XXXX, I asked them to removed fee and high interent. They said they need to get XXXX payment then will remove it but They didnt remove. They should removed it during XXXX. Also I got XXXX letter from " collection '' for CF warned me about pay. I told them that I am in program so They didnt listen.

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 2021-12-11
Company: Aldridge Pite, LLP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During XXXX XXXX, XXXX XXXX XXXX paid their attorney {$1500.00} to file Bankruptcy in order to stop the sale date of my home. XXXX XXXX is foreclosing on my home and has set a new sales date of XX/XX/22.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hello, In reviewing my Transunion account, I noticed 29 inquiries ( extremely high ) compared to the 9 inquiries with XXXX and XXXX.

I contacted Transunion onXX/XX/XXXX for a request for investigation of unauthorized inquiries. I advised Transunion, via letter, that I had contacted these company to no avail and am now requesting that Transunion investigate the inquirires on my credit report to determine who authorized them and once their investigation is complete, if they find my allegations to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report.

According to the Fair Credit Reporting Act, Section 604, a creditor should not have access to a consumer 's credit information unless the individual, themselves, gives written permission or unless credit access is court ordered or requested by a state or local government agency in relation to child support.

I am requested ( an originally requested onXX/XX/XXXX ) that the below inquiries be investigated and removed : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX  -XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX  -XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX -XX/XX/XXXX XXXX  - XX/XX/XXXXIf you have any questions or concerns, please feel free to contact me.

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: Brightfunders, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
So Homeside Financial has sent me a letter stating they denied my refi due to incomplete information. THIS IS A TOTAL LIE! We had picked a local lawyer, venue for signing papers as well as set a date ( four days away ) for the closing. It was only when they said " pay off the interest free second balance then we will see you in four days ''. When XXXX XXXX refused to allow this payoff ( {$1900.00}! ) that was deferred by two months of not working during initial pandemic period ... they refused to continue! 

I am being discriminated against simply cause the industry has no channel for closing on mortgages with second balances. Since the Mortgage holder ( XXXX XXXX ) absolutely insists on not accepting payment for this amount until the full main balance is paid I will never be able to re-fi my home. This violates not only the spirit but the law passed as " The Cares Act ''. I have been 7 re fi companies and they all say the same thing! 

Someone has to look out for consumers with good credit ( I have a Fico around XXXX ) who are locked into their XXXX XXXX held mortgages! Mine is due to a measly $ XXXX ( which I actually gave to XXXX XXXX and they lied and just applied it to my main balance! ) I have been dealing with this since XXXX XXXX and their is no end in sight! PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: EdFinancial Services
State: OR
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 asked for a refund for my loan paid during Covid. It is still not reflected in my account after calling them in XXXX. I was initially told it would take 4-6 weeks. Now they're telling me 5 plus months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: DISCOVER BANK
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: Problem with cash advances

Complaint:
I used XXXX to put money on an inmates books. Im already charged a XXXX  + dollar fee from XXXX and then I look at my Discover Credit Card Statement and they decided to charge me a XXXX dollar cash advance fee that I never aggreed to. The main purpose of the credit card is to be a credit card. Not charged like a debit card unless i want to get cash back from a store. Ive never heard of cash xfers through a credit card. The website said put in a credit card not a debit card. Ive always known Discover to be a credit card company and also remember a phone call I asked about cash advances and there was no fee if paid on time. I pulled XXXX out at XXXX and was never charged a cash advance fee. I also had to put in a pin number to get a cash advance and never put in a pin for XXXX. I would like my XXXX back. I will attach my statement pdf of the last 12 months you will see the XXXX cash advance from XXXX in XX/XX/19 with no cash advance fee. Then the XXXX of XXXX which was not authorized as a cash advance. It is a credit card purchase not a cash advance. I did not put in a pin or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I bank with Regions Bank on XX/XX/XXXXXXXX  I went into a local branch and issued and deposited my government issued tax refund check I was told i would receive have of the funds on XX/XX/XXXX and the remainder XX/XX/XXXX then I received an email today XX/XX/XXXX saying that i would not receive anything to much later. And gave me information that was incorrect pertaining to my and my account I need help banks should not be able to just hold someone money and if so they need to provide why?

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 2023-04-25
Company: CBC Companies, Inc.
State: NY
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:
I have a few accounts on my credit that i dont ever remember apply for. These are inaccurate and Dont have a right to be on my credit report. 


XXXXXXXX XXXX ( Finance ) XXXX XXXX ( Bank ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) FACTUAL DATA ( Finance ) XXXX  ( Miscellaneous ) FACTUAL DATA ( Finance ) FACTUAL DATA ( Finance ) XXXX XXXX BANK XXXX Bank ) XXXX XXXX ( Bank ) XXXXXXXX XXXX XXXX ( Bank )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Accounts was open in my name fraudulently. 
XXXX XXXX XXXX XXXX opened on XX/XX/2021 and has a balance of {$10000.00}. XXXX XXXX XXXX BANK Credit Card Opened on XXXX and a balance of {$910.00}.

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 2022-10-19
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I did not do business with these companies. Please remove everything, including these other accounts : 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 with a Credit limit of XXXX. Also, these credit card accounts were closed due to some unknown charges after it got stolen : XXXX XXXX, XXXX XXXX Balance XXXX, XXXX XXXX Balance : XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  Balance XXXX. These are unauthorized charges made by someone else. Lastly, this is another Fraudulent inquiry that I want removed : XXXX XXXX  Date : XX/XX/2020.

Company response to consumer: Closed with explanation