BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I filed a claim with bank of America months ago along with a police report. Bank of America sent me a letter on XX/XX/XXXX saying investigators were in my favor and temp credits were now permanent. XX/XX/XXXX - Bank of America debits l {$900.00} from my account and wont provide help or details on reasons why. 

Ive missed XXXX appointments, could not buy medicine needed. Ive received no money in weeks. 

I provided bank of america with a copy of my award letter THEY sent me in 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 2020-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion did not properly investigate my credit disputes. I sent them all the required documentation, see documents that I sent to them attached. The letter they sent out to me requested all the same information that I had emailed them with my request. The packet that I uploaded here is exactly what I sent to them. They are requesting duplicate 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 2017-08-07
Company: EQUIFAX, 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:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as social security number and date of birth in order for it to appear on your credit file. XXXX, Equifax, nor XXXX has updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Ref : Bank of America Violated Regulation E and Wrongfully Reported Me to XXXX XXXX, Consumer ID XXXX To Whom It May Concern : The information reported by Bank of America XXXX XXXX XXXX is inaccurate and invalid. I, XXXX XXXX did not conduct the ATM check deposit in the amount of {$4900.00} in XXXX XXXX NY on XX/XX/2018. After the check was deposited, I immediately visited my local, Bank of America in XXXX MD. I explained to the BOA Branch Representative, I did not make this ATM deposit, I do not know who made the ATM Deposit and I requested to dispute the ATM deposit. Bank of America did not investigate or honor my request to dispute this item ; which is a violation of Regulation E. 

Based on following reasons below, this report to XXXX XXXX, from Bank of America should be removed and voided. 

I requested the ATM check deposit of {$4900.00} be ( Reg E ) disputed and investigated. Bank of America violated Regulation E by denying my dispute and proceeding with closing my account.

The deposit was conducted at an ATM in XXXX XXXX NY. Bank of America could have reviewed the recorded video information and verify I was not the individual who deposited the check. 

The deposit was conducted at an ATM in XXXX XXXX NY. Bank of America could have reviewed the endorsement on back of the check and compare it to my signature reflected on my New Account Signature Card.

Bank of America should provide documentation proving they honored my dispute and conducted an investigation in accordance Regulation E as I verbally requested in the BOA XXXX Branch. 

If, Bank of America adhered to Federal Regulation E, as federally mandated and conducted a proper investigation. Their investigation would have proven Im innocent and I did not conduct this ATM deposit transaction in XXXX XXXX NY. I will seeking legal counsel and will pursue a lawsuit against Bank of America for slander, defamation of character and violation of my federal rights.

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 2020-05-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Payment with Chase credit card was due on the XXXX. I scheduled the payment for the full statement balance on the XXXX. I received a confirmation email, and inside the app it still shows the scheduled payment for the XXXX. On the XXXX, it now shows that Im past due, have a late fee attached to my account, interest being accrued on an incorrect balance. All attempts to reach anybody at customer service have had the automated system hang up on me. I need to know if a payment needs to be rescheduled and get the fees and interest waived, but cant contact anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Convergent Resources, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been receiving calls regarding a {$530.00} debt with XXXX XXXX, the only debt I have ever had with XXXX XXXX was paid off long ago and the total amount does not match the previous debt. They gave me a time limited offer to allow me to satisfy said account for 35 % of that total. I called them today XX/XX/20 to see if they could verify the debt and would not do so without my original account number and social security number. This debt is not on my credit report and I do not and have not had a XXXX XXXX account in over 10 years. I did not give them any information as they were unable to verify the debt 's legitimacy.

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 2017-08-08
Company: JPMORGAN CHASE & CO.
State: NE
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:
Chase Credit Card resold by Southwest airlines provided me with a statement on a XXXX balance account where they are charging me a {$99.00} annual fee and {$1.00} in interest. On XX/XX/17 I called the company and asked them to waive the fee and to cancel my card. They refuse to waive their annual fee on a card I do n't use and they are charging me interest on their fee. This is a UDAP issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-02
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted Mr. Cooper on XX/XX/2020 telling them that my husband a XXXX XXXX XXXX had passed away 2 weeks prior. I asked what their procedure is next since he was the originator on the mortgage. They wanted a copy of his death certificate and a copy of his will. I emailed it immediately. I was told that the account would be put on hold till process was completed. They also said that it would take 7 days to research his will. On XX/XX/2020 I called again asking the same questions. I was told that they needed his death certificate and a copy of his will AGAIN. And another 7 days to research it. I call again on XX/XX/2020 and ask again where we are in the process. XXXX XXXX tells me that they need my husband 's death certificate and will for the THIRD TIME because he didn't see it in the system. I sent it directly to him, waited for him to receive it and forward it onto the research department before I hung up. In the meantime I am getting mail almost daily telling me to make XXXX payment. I have been right from the start asking for a loan modification. I was told that since it was in his name that I couldn't do anything to the mortgage and that they didn't even have to talk to me. Thankfully when we started this mortgage my husband gave them permission to talk to me about it. I finally get an email back from XXXX XXXX on XX/XX/2020 stating that I am my husband 's successor. Ok, what about the loan modification!!!! I call Mr. Cooper again. Was told that I am his successor. Again I ask for the loan modification paperwork. I called them 6 times on XX/XX/2020 asking for the loan modification paperwork. I asked for it to be emailed to me. I was told that it had to come thru the Post Office. They asked when I was going to make my payment and I again told them that I have to do a loan modification. So now I wait for the mail to be delivered and am currently in XXXX so another month without having the loan modified. This is VERY POOR CUSTOMER SERVICE!! I should not have to be calling them weekly and sometimes daily to get this company to do what was asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: Capital Accounts, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2020 I was sent a letter from Capital Accounts that indicating that I owed XX/XX/XXXX for unpaid dental bills that totaled about {$1000.00}. I asked for a detail of the bills that were not paid. What I received back from Capital Accounts was a statement with approximately 20 pages of 5 years of billing. The statement did not match payments to bills and did not indicate which bill ( s ) was/were unpaid. By reading the statement, I have no idea which bill ( s ) are unpaid, if any. I can not research any unpaid bills, if any, for the signed authorization for the service, the EOB and the amount paid. To this date, I do not have copies of any unpaid bills. I sent a letter to Capital Accounts which I have attached letting them know all of the issues I have mentioned. I also directed them to FCRA section 623 which states the following : 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

And also states : ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.

And finally : ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

Since the statement does not match payments to the bills, there is substantial doubt about the accuracy of the information because good bookkeeping policies were not in place.

Capital Accounts reported the amount presumed owed to credit agencies which decreased my credit score by about 100 points. Not only did Capital Accounts report the amount as unpaid the the collection agency, but I have to assume they did not indicate that it was disputed because my credit score dropped by 100 points. 

I am asking that Capital Accounts withdraw the reporting to the credit agencies. 

Thanks, 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 2020-10-22
Company: AVANTE
State: WI
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 received written correspondence from AvanteUSA that their company have purchased an account that's allegedly associated with my name. The date on the receipt of the letter is marked XX/XX/XXXX. According to the FDCPA I have 30 days to dispute the validity of the debt. I recently checked my credit report and noticed that this account is currently being published on it without proper validation. I also noticed that the alleged amount owed in the letter is different than what's on my credit report. This unverified and inaccurate account is drastically affecting my credit worthiness and stopping me from receiving funding during this pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I sent out letters to the creditors that's on my credit report requesting debt validation. To this day they have failed to to so. These erroneous allegations have severely impacted my credit scores and my mental health as I am constantly being denied credit because of this. 

I've also sent letters to the bureaus disputing the false reporting and nothing has been done. 

I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been working with XXXX on a short sale on this property since XX/XX/XXXX.  Several times we have lost buyers due to counter offers and delays in reviewing our offers. We have had the same buyer on board since XX/XX/XXXX and have been pending review. On XX/XX/XXXX we sent in the latest RMA ( another stall tactic from XXXX to delay reviewing the file by constantly changing the forms that are needed to proceed ). I called on XX/XX/XXXX and was told we were pending the review of the RMA. I sent an updated HUD and purchase agreement on XX/XX/XXXX since the ones we had on file had expires on XX/XX/XXXX due to delays in review. I spoke with XXXX on XX/XX/XXXX and was advised that our file was being DECLINED due to a new buyer. There was no new buyer - the agent referenced XXXX XXXX as the buyer - which was one of the original buyers from back in XX/XX/XXXX. The current buyer has n't changed since XX/XX/XXXX. She said she would escalate this and I would have an update by Monday or Tuesday. She could see that I DID NOT send in the offer from XXXX XXXX and that it appeared that someone from XXXX just randomly re-saved the old documents, which is what created the issue. Called XXXX on XX/XX/XXXX and there is no update. No one has reviewed our escalation from last week, I was told today just to " submit the new offer '' - there IS NO NEW OFFER. This is the same offer since XX/XX/XXXX. I contacted the Ombudsman department who refused to assist. They opened ANOTHER complaint and want me to wait ANOTHER 24-72 business hours for a reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: MOHELA
State: NJ
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 was a co-signer on this loan with a relative. While scanning my credit report I noticed that there is a discrepancy/ incorrect information regarding this account. XX/XX/2019 XXXX reported this account as paid and XXXX reports the account as 90 days delinquent on XX/XX/. Due to this error in reporting between both bureaus and the Fair Credit Reporting Act I am asking you guys to please remove this derogatory account from my credit report. It would be tremendously appreciated. I am a military veteran that is trying to make grave  changes in my life for me and my family. Thank you for your time.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
At least 2 checking accounts ( XXXX and XXXX ) were fraudulently opened in my name. I called TD Bank at XXXX, Option 3 and requested that all accounts in my name be permanently deleted. All contacts were in XXXX and early XXXX of 2022. TD Bank agreed to close all accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-07
Company: EQUIFAX, 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:
I have obtained my XXXX credit report on line. There are items from U.S. Bankruptcy Court listed on my credit report. Per FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not Validate the information with the original Creditor, they must remove said information from the consumer file. 
The Bankruptcy Courts have also reviewed the Public record section and have mailed me a return letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate or confirm public records. It is the credit reporting agencies and other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S Court system due to the Fair Credit Agency Privacy Law.
My inquiry to the U.S. Bankruptcy Court confirms your Credit Bureau has never validated these public record entries on my credit report, neither will they ever be by them. They further stated they are not liable or responsible for any misuse or incorrect public records, nor the distribution of said information, public records may and often times are reported by third party sources unaware to the consumer and in most cases, incorrectly. Considering this information indicates a Fair Credit Reporting Act Violation, I need all bankruptcy information currently showing under my name and or my social security number to be Permanently DELETED from my credit report immediately. The XXXX Credit Bureau needs to provide me with all documentation associated with these Public Records Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per federal Law, you have exactly 30 days to complete this as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). 
Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to  verify through physical validation of the original signed consumer contract and or judgements all accounts and public information that you post on anyones credit report. Otherwise anyone paying for your services could fax, mail or email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau and Better Business Bureau. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: EQUIFAX, INC.
State: CT
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:
It was noted that my XX/XX/XXXX mortgage payment was received 30 days late. It was received and processed by the mortgage company XXXX XXXX  on XX/XX/XXXX. There is 28 days in XXXX. A XX/XX/XXXX processing of the full mortgage payment would put the payment as being received in 28 or 29 days depending on how days are viewed.. 

This 30 day late and all comments on my credit reports for XXXX XXXX  needs to be removed as this is a FCRA violation of inaccurate reporting. 

Please remove all comments and the 30 day late mark from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Atlanticus Services Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
To CFPB : In XXXX of XXXX, I saw on my credit report, that on XX/XX/XXXX, a company credit card account ( XXXX/Atls/Fortiva ) was opened. I have no name or address of who opened the account. The credit card has a {$4000.00} limit with a {$3400.00} balance. I called Fortiva to dispute the opening of the credit card account and the charge. I asked that the account be frozen so that it could no longer be used. Fortiva sent me the forms to dispute the case and also a form to file a police report. Along with the forms, I was asked to send a copy of my ID to prove that I live in Ohio, ( The business transaction took place in XXXX XXXX, Mo. ) After every thing was filled out and mailed, I called Fortiva several time to ask the status or progress of the case. Every call, at least 10 in the 2 month endeavor, I was told that with the information turned in, that the problem would be resolved. Well, today, XX/XX/XXXX, I saw an alert on my credit report that shows the Fortiva charge hadnt been resolved! I called the three credit bureaus to make my complaint. All three told me that the dispute was never turned in! After following through with all that Fortiva said that needed to be done, Fortiva did absolutely nothing to resolve the case! You will see the account is still open and bringing down my score! 

Thank you for looking in to this! 
XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX , Ohio XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation