BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Per the attached Home Affordable Modification Agreement, I'm confused by it's wording. I want to pay off the balance early but when I calculate the amortization schedule it calculates out to a 37 year, 1 month payoff schedule. Per the chart in the attached file named " Existing Loan Information XXXX '' : The listed " Contractual Remaining Term '' of 37 Years, 1 Month. The listed Contractual Payoff Date is XX/XX/XXXX so only 17 Years 7 Months from date of XX/XX/XXXX and not 37 years, 1 month. 

In addition, page 2 of the HAMA shows years 1-21 and  total monthly Payments of XXXX from XX/XX/XXXX. I understand and accept there is a deferred principal balance balloon payment of {$21000.00}. I'm disregarding that balloon balance in my calculations but using my current balance of $ XXXX 4.00 % interest and a current P & I payment of {$1200.00} to calculate amortization schedules. 

I need a knowledgeable representative from my current servicer Bank Of America to contact me and explain the amortization to me. I would also like some options in paying it off early.

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 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$4900.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00}, XXXX XXXX ( Original Creditor : APP XXXX ) XXXX Balance : {$1900.00}, XXXX XXXX ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$1300.00}, XXXX XX/XX/2022

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 2023-11-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2023, I submitted XXXX separate dispute & investigation requests to Equifax regarding what I believe to be inaccuracies on my credit report. As of today, XX/XX/XXXX, I have not heard any result or communication regarding these requests and no dispute has ever been opened. 

According to the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ) ( A ), consumer reporting agencies are required to conduct a reasonable reinvestigation within 30 days of receiving a dispute notice unless they reasonably determine that the dispute is frivolous or irrelevant. Unfortunately, despite the passage of more than 30 days since my dispute was submitted, I have not received any response or resolution from Equifax. 

This lack of response is not only a violation of my rights under the FCRA but also negatively impacts my financial well-being. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Equifax for their failure to comply with the FCRA. 

This is a Violation of Fair Credit Reporting Act & The accounts in question should be deleted in their entirety from my credit file immediately due to failure of Equifax to respond in the legally required time frame. 

Accounts to be deleted 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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-31
Company: PNC Bank N.A.
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/2015, PNC Bank accessed my XXXX personal credit report. PNC had no permissible purpose to access my report. I have no business relationship with PNC. I have never applied for an account with PNC, or otherwise had contact with PNC. 

I do not believe this to be an issue related to identity theft. I believe PNC knowingly and willfully accessed my report improperly for the purpose of offering me credit, and did so without my permission. 

I wrote to PNC seeking an explanation for their impermissible viewing of my credit report. PNC did not reply to my inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was paid off following the sale of my home in XX/XX/2023. I had an escrow overage of {$1400.00}. I was issued a check in XXXX. My bank returned this check for insufficient funds//declined payment from the check issuer Nationstar Mortgage dba Mr. Cooper. I have attempted to contact Mr. Cooper several times to get this corrected, but can not get a reissued check sent to me. It is now XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I SENT A CERTIFIED LETTER TO IMC CREDIT SERVICE AT XXXX XXXX XXXX   XXXX IN XXXX ON XX/XX/2019 AND I JUST RECEIVE A TIME EXP RTN TO SENDER ON XX/XX/2019 ( 1 MONTH LATER ) WITH THE ADDRESS XXXX XXXX XXXX XXXX, IN XXXX, USPS SIGNATURE TRACKING NUMBER XXXX THIS WAS DONE ON PURPOSE FROM IMC CREDIT SERVICE. IN DISPUTE TO A MEDICAL BILL THEY SAY I OWE THEM, I SPENT MONEY ON SENDING CERTIFIED MAIL TO THIS COMPANY AND YET THEY ARE STILL IGNORING ME, THEY KNOW THEY ARE IN THE WRONG THESE COLLECTION COMPANIES AND THE CREDIT BUREAUS ARE BREAKING SO MANY FCRA LAWS AND NOTHING IS NEVER DONE TO THEM, BUT IF A CONSUMER BREAKS A LAW, THEY ARE SENT TO JAIL OR FINED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
It is impossible for me to change my physical address in my profile. I have not lived in XXXX for 5 years and during that time I have tried to change my physical address several times a year, hoping that the Capital One IT system has changed but it has not. My ex girlfriend lives at the address in XXXX that is currently posted in my Capital One account. I'm not 100 % sure that this is the reason I get credit card offers for her at my Arizona address but it seems logical. I got married since moving from XXXX and my new wife does not like getting credit card offers for my ex-girlfriend here in Arizona. 
I have called a total of three times in attempts to resolve this. I even sent a letter addressed to the IT manager at Capital One but I have no idea if it was delivered to the desired individual. I don't know what else to do which is way I fill out a complaint now. 

The main problem lies in the Capital One IT system that apparently uses the US Postal Service database for " valid addresses ''. I live in a very sparsely populated rural area and the US Postal Service does not deliver mail here. XXXX and XXXX does come here and we have a " XXXX sign '' at the gate of our 120 acre property, so it is a very real address. Just because the postal service does not deliver here, does not make our address " invalid '', which is a joke. 

Capital One needs to get IT people that actually know what they are doing and change the system so that a user can have a choice when they fill out their physical address. Instead of a prompt that basically tells they user that they don't know what their own address is, give them a choice that says, " are you sure this address is correct? '' Why there is such a stringent method used by Capital One for customers ' physical addresses is a total mystery and beyond stupid. 

My Capital One accounts are Cabela 's and Wal Mart ending is XXXX and XXXX respectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: FinCo Services Inc DBA Current
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 I had a charge of {$900.00} made on my card from XXXX. 
I do shop on XXXX but I never spend more than {$200.00} on XXXX. This charge was not authorized by me, and the charge did not even come from my XXXX account as I checked the recent purchased. I have disputed the charge with Current ( XXXX XXXX XXXX, XXXX FDIC ), and they did not resolve in my favor. I did not authorize that transaction and the bank just let someone make a fraudulent charge on my debit card. I just wrote up an appeal letter and I will have an affidavit signed and notarized and have it certified mailed to the company. I do not condone fraud all I want is my {$900.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Recently signed up for monitoring service in which I noticed an account on my file that does NOT belonging to me from company XXXX XXXX XXXX reporting a balance of {$660.00} This account is a fraudulent account as I am a victim of identity theft, I have attached further documents to explain Identity theft. This Account does not belong to 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 2021-04-22
Company: Westlake Services, LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

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 2023-08-10
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX. I have been a member of XXXX XXXX ( XXXX ) for over 20 years since XXXX. 
XXXX. In XXXX of XXXX, XXXX XXXX XXXX requested confidential corporate financial information regarding the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). I'm an owner of XXXX. XXXX had a corporate card in good standing with XXXX since XXXX was no indication to why this financial information was needed nor what it was to be used for. I was only provided 14 days to provide the information. The letter did not state the penalties for not providing this information within the timeframe. 
XXXX. I spoke to representatives at XXXX on XX/XX/XXXX and again on XX/XX/XXXX. I was told that both my personal and corporate cards were in good standing and had no charging privilege restrictions. I was not notified by these agents of a pending financial review. 
XXXX. I reviewed my charges and balance activity several times a week on the XXXX app. There was no indication on the app that my accounts were pending financial review or in jeopardy of cancellation. 
XXXX. Approximately XXXX week after my last phone call to XXXX the XXXX Department cancelled both my personal and business accounts when corporate financial records were not received. 
XXXX. I was under the impression that this was a temporary suspension of charging privileges due to a high corporate balance. 
XXXX. I failed to understand how failure to provide corporate financial records would lead to the cancellation of a personal XXXX account. 
XXXX. XXXX reported this derogatory information to all XXXX credit bureaus. This led to a drop in my credit score of over XXXX points and has affected my ability to obtain further credit either personal or corporate. 
XXXX. I was told by XXXX XXXX a representative of XXXX that I have a good case for reinstatement based on poor communication and confusion surrounding my accounts. XXXX separate departments were simultaneously acting on my accounts. Neither department had knowledge of the other 's actions.

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 2022-07-15
Company: Grant & Weber
State: IN
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:
XX/XX/2022 {$1600.00} Grant and Weber I found this in my credit report. 
I have never heard of them or the original debtor. 
I have never received any phone calls, emails, or mail from either company. 
When I called they asked for a account number. I told them that I do not have one. 
They asked for social security number. 
When I provided my number they gave me someone elses name. 
When I asked for proof of who they or the other company is. Or something showing my name matching my social. A signature, a agreement with me, or my photo id tied to these accounts. They told me that doesnt matter. 
When I told them I feel like this is fake or fraudulent because they provided someone elses name with my social. 
I was told too bad. Sue that person.

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 2015-06-03
Company: Seterus, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus purchased my loan in XXXX 2015, I sent in additional principal payments, that were applied to future months regular payments both Interest & Principal. I asked for payoff amount and sent in check for that amount. It was also applied incorrectly and now receive notice that I still owe {$7.00} for the XXXX payment, should have been paid off at the end of XXXX. They also now want me to pay for flood insurance XXXX {$630.00} XXXX to cover {$78000.00}. I have contacted them numerous times and have been told someone will call me back. Still have n't heard back from anyone, wonder if I will ever get my deed. They use terms like we will have this dealt with in 30 days. Also wonder if they will acknowledge they took interest money that was for in future months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2017 my wife and I identified six withdrawals from our Bank of America joint savings account totally over {$21000.00}. One of these withdrawals was listed as payment for an installment loan ( {$8000.00} ) and five of the withdrawals were apparently payments applied to a credit card at XXXX XXXX. Neither my wife nor I authorized these withdrawals. This account is not an account we use frequently -- we most often make deposits and occasionally make transfers to our checking account. The account number would be known to few individuals other than myself, my wife and personnel at Bank of America. We did not lose our bank debit cards, so the only possible access to the account was through electronic access, which would have required an ID and password. 

We immediately contacted the bank, which was unaware that the account had been accessed by an unauthorized individual. We closed the account and the bank " opened '' a new account into which to transfer the remaining funds in the compromised account. Subsequently, but not immediately, the $ 21,000+ was returned but placed in the wrong account, one that belongs to my wife and daughter rather than the new joint account. Subsequently we moved the funds to the correct account. The new account was set to have federal withholding tax withheld without our authorization. Information in the old account was no longer accessible to us. 

I have repeatedly asked for an explanation of how our account was accessed and by whom. I have also asked what steps the bank intends to take to assure that such unauthorized access will not occur again. To date, I have received no explanation regarding the unauthorized access nor any statement about how such access will be prevented in the future. Indeed, Bank of America has offered no information and insists the problem is at XXXX XXXX which received the transfer of the unauthorized funds. 

I appears to me that there was a data breach involving my account that Bank of America is covering up. My wife and I have been greatly inconvenienced and are very concerned about the safety of our accounts.

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 2023-08-10
Company: Experian Information Solutions Inc.
State: NY
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 submitted a complaint last XX/XX/2023 and some got deleted there are still a lot of fraudulent items reporting. I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

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 2022-07-16
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:
The items listed below are reporting on my personal credit file and were found in myreports with Experian, XXXX and XXXX credit reporting agency. These items wereopened fraudulently. Ive informed all parties of the issue & provided the necessarydocumentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the creditreporting agency & data furnisher have not provided me with any evidence of an opencontract, signed contract or any valid proof this was opened, authorized or created by me.Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$16000.00} ; XXXX XXXX XXXX : {$3600.00} XXXX XXXX ( XXXX : XXXX XXXX XXXX ) XXXX Balance : {$4100.00} ; XXXX XXXX : {$190.00} ; XXXX XX/XX/2021 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 2023-04-26
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: Information belongs to someone else

Complaint:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} ; XXXX  XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2022-07-16
Company: EQUIFAX, INC.
State: AZ
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:
I tried to speak to a XXXX credit card representative about my suppose late payment showing up on my Credit Report and causing my score to drop! They did not want to listen to me and just ended the call, they offered no help and I was truly disappointed, I tried to resolve it with them on XXXX of 2022

Company response to consumer: Closed with explanation