BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-19
Company: RoundPoint Mortgage Servicing LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have reached the 80 % LTV threshold to remove PMI. Roundpoint is refusing to remove the insurance until XXXX. This seasoning requirement violates my rights under the homeowners protection act. I mailed and faxed my request on XX/XX/XXXX but round point has not acknowledged.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: MoneyLion Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
on XX/XX/29 company withdrew {$610.00} from my bank account without authorization

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 2020-10-13
Company: SYNCHRONY FINANCIAL
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 information incorrect

Complaint:
On XX/XX/2020 I received a settlement offer from synchrony bank/PayPal for my charged off account in the amount of {$1000.00} through XXXX. I paid this amount through the company. On XX/XX/2020 I called the collections department of PayPal credit who confirmed my payment was received on XX/XX/2020 and would update on my credit report within 30 days. This information showed on my XX/XX/2020 credit report as settled for less than the amount and a {$0.00} balance. On XX/XX/2020 PayPal reported the account as an open charge off with a balance of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Experian Information Solutions Inc.
State: OH
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 not been late on this account and I have requested PHYSICAL PROOF of late payments since XX/XX/2020 of this year and have never received such information, please correct payment history. 

Please provide all the people involved in this investigation as well with notarized documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Transunion and XXXX are not removing a XXXX XXXX account that was put on credit in error. XXXX has removed this in a timely manner but Transunion and XXXX  are still reporting this inaccurate information.

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 2015-07-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed a collection on my Equifax on XXXX XXXX and was given a case number XXXX and then checked my credit score on XXXX XXXX th and my credit score dropped XXXX points yet nothing on my credit report changed actually my XXXX went up XXXX point I would like to find out what happened if you could help with this I would be grateful

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
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:
I HAVE CONTACTED THIS COMPANY SEVERAL TIMES PAST 3 MONTHS TO DELETE AND DISPUTE THIS INCORRECT INFORMATION THAT IS BEING REPORTED ON MY CONSUMER FILE. THIS IS AFFECTING ME AND I WANT THESE REMOVED IMMEDIATELY.

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 2021-07-09
Company: LEXISNEXIS
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've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: Perfection Collection
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a complaint from XXXX XXXX against Perfection Collection for Perfection Collections failure to provide requested information for the debt alleged. Perfection Collection has been reporting an active account on Consumer 's credit report. On XX/XX/XXXX, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XX/XX/XXXX, Creditor responded with documentation that is insufficient for showing validity of this debt and the ownership of this debt by Perfection Collection. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
Chase & XXXX has different information regarding this charge off. This account was closed twice once in XX/XX/XXXXand XX/XX/XXXX according to XXXX. Chase only has record of it being closed once. I'm not sure if they both have the same charge off date but XXXX  reported XX/XX/XXXX as the final charge off. They both have inaccurate information regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a duly executed Power of Attorney to assist my elderly mother with financial and other issues. I have jumped through every hoop Bank of America required, including having the attorney who prepared the document, which has been accepted by numerous other financial institutions, redraft and my mother and 2 witnesses re-sign, due to a minor and completely inconsequential typo that caused the BOA legal department to reject it. 

All I am trying to do is assist my mother to be sure her bills are paid and finances are managed to help her stay in her home and out of a XXXX XXXX  for as long as possible. She is XXXX years old and refuses to use technology. I live a 5-hour drive away and need to be able to manage things remotely. I have set up online banking for her, but because BOA prevents me from having my own online access as Power of Attorney ( for reasons no one there can explain rationally beyond, " it's our policy '' ) I have been using that access as my only avenue to pay her bills remotely. 

BOA disabled her online access and notified us that I am not authorized to use the account, and the only way I can be is to be added as a co-owner. Every piece of legal advice I have gotten recommends against this, so as not to saddle one another with any liabilities that should be individual, suggests that I may be slapped with gift taxes by being added to this account, and that because it will cause the money to pass directly to me upon her death, create issues with inheritance to be split according to her will. Bottom line is that it seems ill advised to make myself a co-owner, which is why we went the route of paying an attorney to prepare the POA, which Bank of America has essentially rendered useless unless I drive 5 hours to be in the same room as my mother every time I need to access her account, which is highly impractical. 

I believe we have tried to do the right thing at every turn, and yet have absolutely no recourse with the bank and its ridiculous " policy. '' They have defeated me - I am dragging my mother, with her walker, to the bank this afternoon to do their bidding and add myself to this account and deal with whatever the fallout from that becomes. But I would like to protect others and help change their insane system that is designed to prevent family from helping one another. Can CFPB help in any way??? I have beated my head against the Bank of America wall until it hurts and I give up.

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 2019-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX report shows that I have a credit card account with XXXX XXXX bank and that I have a {$3000.00} outstanding debt. It also shows another name as also known as which is similar to my name. It also shows a random address that I have never been associated with. 
I also have a few other accounts that were opened fraudulently. 
I do not own any accounts other than XXXX XXXX XXXX XXXX which is closed and perfectly paid. 
I was a student abroad when the other accounts were opened here under my name. 
I am in no way associated with any of the accounts other than the previously mentioned one. 
My credit is going down the drain because of this fraud and I would like it to be fixed as soon as possible.

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 2021-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I called Bank of America about Direct Deposit offers in XXXX of this year and learnt that they could offer me 0 % until XX/XX/XXXX. So I went ahead and took the offer for {$19000.00} as I needed landscaping for my new home. To my surprise I noticed 19.99 % interest charges on my XXXX bill. I called them on XX/XX/XXXX and the customer service representative did not know how to help me and said someone will get in touch with me in a day or 2. Nobody got in touch with me. So I called them again on XX/XX/XXXX and I was again told someone will get in touch with me. Nobody has contacted me yet and Bank of America is charging me interest unfairly. Also point to be noted, Bank of America doesn't send any contracts/ agreements via email. I also never receive any acknowledgement of my phone conversations.

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 2017-11-16
Company: EQUIFAX, INC.
State: DE
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:
I had a charge card with XXXX XXXX XXXX XXXX card number XXXX XXXX XXXX with a {$4600.00} balance that was charged off. I attempted to settle this debt with XXXX XXXX but was told the debt was " cancelled ''. They sent me a XXXX ( which I have attached ). A cancelled debt that I am unable to pay can not remain on my credit files. I can not be held in jeopardy for something that I am unable to correct. 

I disputed this with Equifax, XXXX XXXX and directly with XXXX XXXX and they left the item on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: STATE FARM BANK, FSB
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Again, someone stoled my identity and opened this account in my name without my permission. State Farm needs to remove and block this account on my XXXX credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2016, this debt for {$1600.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-27
Company: ALLY FINANCIAL INC.
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
i opened a loan on a truck around XXXX 2007 it was a Colorado, XXXX truck i paid over 4 years around XXXX dollars a month i got sick and ask to refinance at this point they put it back at 6 years for XXXX dollars monthly i paid on it a year and half and i lost my father which in turn effected me greatly i started having alot of problems with the truck and it had around XXXX miles i called the credit company and told them i would turn it in and they said i had paid quite a bit of money and they understood.three months went by and some lady called and said she was investigating a stolen truck and she was with the police dept. when i told her where the truck was she hung up and i called back it was a cell.they evidently picked up the truck and auctioned it off for around XXXX dollars now all of a sudden i have this on my credit report with what i paid and auction its nearing XXXX dollars for a XXXX dollar truck please i am trying to rebuild my credit i am on XXXX please help me i did not XXXX them they made there money plus 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 2018-02-22
Company: Nations Recovery Center
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been for several months, since XX/XX/2017 been attempting to resolve a debt. When I started receiving phone calls I finally called original company regarding the debt who instructed to me contact XXXX XXXX XXXX XXXX First they refused to send me another notice of Debt stating they are only required by law to send me one. I advised them they sent it to the wrong address and all correspondence goes to XXXX XXXX XXXX I got tired of dealing with their customer service snarkyness, after several attempts I was finally able to reach a manager. He then sent me out the notice to my POBOX however there is nothing on the Notice of Debt to explain how to make a payment. Once again about the XX/XX/XXXX time ( which I have cell phone bills to prove it ), I called them back and stated I needed a statement, something in writing to explain how to pay the debt. The rude customer service person stated her company is not required to send out a notification explaining how to pay the debt, they only had to inform me there was one. She invited me to pay over the phone - advised not an option, told me to pay online - I informed her I needed to mail it with a money order and she still refused to send a statement with an  explanation how to pay. This company fails to understand people have rights and there is a formal process in to collecting a debt. They are the most unprofessional and rudest individuals I have ever met in my entire life. I can provide notice of debt and you can see there is no information how to pay the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-19
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I COMPLETED SEVERAL MODIFICATIONS FOR THE HOME AFTER GAINING EMPLOYMENT AND HAVE THE RESOURCE TO PAY IT MONTHLY. IT IS A HIGH BALANCE DUE TO NOT WORKING WILLING TO KEEP THE HOME. FAY SERVICING IS HANDLING THE LOAN WHICH IS IN THE ESTATE OF MY DECEASED HUSBAND. I HAVE A DEED AND WANT THE TO TURN THE LOAN OVER TO ME OR REPAYMENT OPTIONS TO DO TRIAL PERIOD WHICH THEY REQUESTED OVER {$15000.00} FOR MY FIRST MONTH PAYMENT AND THEN {$1700.00} FOR THE OTHER 2 MONTHS. I FEEL THAT MY ORIGINAL LOAN DOCUMENTS HAVE TO FRAUD IN THEM WHEN THE HOME WAS FIRST PURCHASED. I WOUL LIKE FOR MY ORIGINAL DOCUMENTS TO BE REVIEWED FOR FRAUDULANT TO GET LOAN APPROVED. I DON'T GIVE FAY ANY REASONS TO BELIEVE I HAVE {$15000.00} TO PAY THEM FOR THE FIRST MONTH AND THEY KNOW THIS. THIS IS A WAY TO DENY ME BEING IN MY HOME KNOWING THAT I CAN PAY $ XXXX MONTHLY AS THE TRIAL PERIOD REQUIREMENTS AS STATED FOR THE 2ND AND 3RD PAYMENT DURING THE TRIAL. I WANT NEED ASSISTANCE VERY BAD TO SAVE MY HOME. I'M A XXXX PERSON LIVING WITH MY XXXX CHILDREN AND BEEN IN MY HOME SINE XXXX AND WHEN MY SPOUSE PASSED AWAY IN XXXX THE MORTGAGE HASN'T BEEN PAID. NO TYP OF ASSISTANCE WAS OFFERED TO ME BY ANY OF THE OTHER LENDER 'S HOLDING THE LOAN. I WAS JUST TRANSFERED YEAR TO YEAR TO DIFFERENT LENDERS. NEVER TOD OF DIFFERENT PROGRAMS TO APPLY FOR ASSISTANCE. PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have the following 3 medical bills on my XXXX bureau only and after contacting XXXX via phone and email I have not received any information. 
GLA Collections has listed : XX/XX/XXXX {$210.00} medical bill XX/XX/XXXX {$140.00} medical bill XX/XX/XXXX {$130.00} medical bill I have faxed a copy of the police report showing fraudulent charges to both XXXX and GLA collections and have never received a letter in the mail, email or a phone call. 
I have Never lived in or near XXXX, KY and have never seen a Doctor for anything medical in XXXX, KY ever.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation