BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I accidentally paid my credit card twice. Although the second payment was pending for XX/XX/XXXX, at around XXXX at night I was not allowed to cancel the pending payment. I called both my checking account and credit card ( both through Bank of America ) to resolve, both told me there was nothing I could do until the payment posted. Mind you, these payments were not small - {$2900.00} and {$2900.00}. I called the credit card on XX/XX/XXXX to get my payment back. The woman I spoke to started my request and said that I should have my payment in about 48 hours. I assumed that was too aggressive of a timeline, but I was happy to hear. She confirmed with me my banking information and that the credit would go back to my checking account. The following week I didn't get the credit back so I called again ( probably XX/XX/XXXX ). The told me it takes longer, but I should get it back by the following week. I voice my frustration but accept these things can take time. I call back on XX/XX/XXXX and again told it takes time and that I should get the credit by Thursday. Come Thursday ( today - XX/XX/XXXX ) I call again since my credit was still not there. Today they tell me a check is being created and that it'll go out in the mail soon and hopefully I will get I check next week! Never in the 3 previous calls did they say a check, they always said it would be credited back to my account. Not to mention it was now nearly 14 days from my original request. I requested they cancelled the check and deposit it as originally requested but they told me it would take 5 days to cancel a check! After much arguing and demanding to speak with a manager I will supposedly get my credit to my account next week. This of course remains to be seen, but even if it happens they have now held my credit for nearly 3 weeks! This is no small amount, it's ridiculous that a large bank can't resolve and issue for 3 weeks, 4 phones calls, and probably hours of wasted time. Not to mention, I believe they have violated their obligation to return credits in a timely matter.

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 2018-10-02
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We are filing a CFPB complaint against Wells Fargo Mortgage. Our firm is actively representing Ms. XXXX XXXX in an active Chapter XXXX Bankruptcy. The purpose of the bankruptcy filing was to stay a foreclosure sale date and to save Ms. XXXX XXXX 's home. Since the bankruptcy filing our office has been communicating with Wells Fargo in an attempt to consummate a loan modification. 

Wells Fargo is refusing to review Ms. XXXX XXXX 's loan account for loss mitigation assistance. No valid reasons are being provided for Wells Fargo 's refusal to comply with our requests. Please review the attached correspondences we have sent to Wells Fargo in an attempt to initiate a loss mitigation request for assistance. The below timeline should help you understand the situation : XX/XX/2018- An application for loss mitigation and all supporting documentation was submitted to Wells Fargo XXXX 
XX/XX/2018- Wells Fargo responds stating the loan can not be reviewed for assistance due to account standing and history without providing additional details. 
XX/XX/2018- Under the Consumer Financial Protection Bureau our office requested the specific reason or reasons for servicer 's determination.

XX/XX/2018- Wells Fargo responds by stating they will not review the account due to prior decisions. 
XX/XX/2018- Our office requested a detailed loss mitigation application history and determinations made on the account.

XX/XX/2018- Wells Fargo responds accordingly however they fail to cite a policy or provision that prohibits borrowers from applying and/or obtaining loss mitigation assistance more than once during the life of the loan.

XX/XX/2018- We inform Wells Fargo that they have violated the Consumer Financial Protection Bureau guidelines by failing to provide borrower with foreclosure protections more than once over the life of the loan. Specifically, the new rule requires that servicers provide loss mitigation assistance again to borrower who have brought their loans current at any time since submitting the prior complete loss mitigation application. We have proved that Ms. XXXX XXXX brought her loan current since submitting a prior complete application. Please see letter for additional details. 
XX/XX/2018- Wells Fargo unable to grant request.

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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 2nd complaint that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me and I have doubts in their accuracy and the reported payment history on some accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Personal information incorrect

Complaint:
On my background checks there is an address listed as mybown that I have never lived at. It is an old address from my ex-husband and I didnt even now him when he lived there. I would like it removed from my personal info. It is listed as XXXX XXXX XXXX, XXXX PA 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 2020-04-22
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: Personal information incorrect

Complaint:
Experian has reported a discharged Bankruptcy Chapter XXXX from 2012 that has an incorrect State and address. They have the wrong person. I have never in my life lived at XXXX XXXX XXXX, XXXX, KY, XXXX. Nor do I have any family or friends who live in Kentucky. This is 100 % not me. So this incorrect information needs to be deleted without fail. The reference number for this inaccurate report is XXXX. Date : 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 2020-04-22
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted application to FlagStar Bank for inclusion in the federal mortgage forbearance program. 
I received a conformation that I was accepted on or around XX/XX/2020. On XX/XX/XXXX I received a phone call from FlagStar Bank that I should call them about my " late '' mortgage payment on XX/XX/2020. When I called, I was told even though I was in the forbearance program, I should try to make a payment and that the call was an attempt to collect a dept. 
I told the agent I considered the call and the attempt to collect a debt harassment and if I was accepted in the forbearance program, there should be no need for me to call in and explain my situation all over again. 

My complaint is that FlagStar is practicing harracement of participants in the federal forbearance program.

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 2021-01-24
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
This loan was reinstated to AES on XX/XX/XXXX. The agreement was for me to resume payments starting XX/XX/XXXX. My balance on loan was XXXX AES block me from being able to login to my account. They reported to dept of education that I was delinquent on my account for 60 days in XX/XX/XXXX. XXXX said my account was reinstated on XX/XX/XXXX, XXXX AES accrued interest on this loan since XXXX XXXX AES refused to send any information via USPS. By the time I could login to my account the balance was thousands of dollars more then the starting point that it was supposed to be. I have contacted them with no results. With covid-19 the NY attorney general 's office was not able to help me as they did before. I contacted FSA ombudsman. They were trying to get information from AES for months. AES said too much accrued interest was added on to my balance & they could not do anything. AES withheld information from me from the start. This XXXX parent loan in the amount of XXXX is now over XXXX and rising. AES has made it impossible for me to afford payments on this loan. The agreed amount was to resume at XXXX AES manipulated this loan behind the scenes without my knowledge. Now it's out of control & now I can not afford payments. This has been a nightmare for me trying to get answers from AES. AES purposely mislead me so they could accrue interest on this loan. Thank you for your help with this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 urge you to correct this error 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 2020-07-16
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of 2018, Ditech Financial requested a homeowner 's insurance declarations page from our insurance company XXXX XXXX. XXXX XXXX  sent them the wrong page that included more than just the home portion of our farm policy. Ditech paid on that XXXX page which was substantially more than necessary. This threw our escrow account into a negative balance and caused our house payment to skyrocket. When I finally realized what had happened we tried many times to get this situation rectified all while continuing to make our normal house payment. It took 2 YEARS for them to fix this. They assured us many times that it would get fixed in a timely manner and because Ditech declared bankruptcy in the midst of our dispute we were lost in the mix many times. It was nearly impossible to talk to anyone who could help. Our home was even thrown into foreclosure! 
When we finally got things fixed they assured me that they would rush letters to the 3 credit bureaus so that the negative marks on our credit would be corrected. They still have not done this and I can no longer get anyone to help me because they sold our account to another mortgage company during their bankruptcy. Our business and our good credit have been negatively affected by their mistake and they need to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on the EQUIFAX response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquirY reporting on my Credit Report : 1. XXXX Inquiry Date XX/XX/2020 ; 2. XXXX Inquiry Date XX/XX/2020 ; 3. XXXX XXXX Inquiry Date XX/XX/2020 ;

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Experian Information Solutions Inc.
State: PA
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:
I recently disputed inaccurate or erroneous information on my credit report with all three credit bureaus XXXX, XXXX  and Experian. It has been __ days and I have still not received any investigation results from any credit bureau. I included a copy of my ( drivers license and social security card ) as instructed. I read online that the credit bureaus have 30 days to respond to an investigation and they have not done so.

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 2021-04-02
Company: Chime Financial Inc
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was with chime bank. I have received a ppp loan! I am not a scammer. I actually had proof of all independent contract agreements. I also have proof of identity. I also showed proof that the lending company was sending money to me. They say they will mail me a check. But I have also been reading that they dont send funds. I even have a independent contract showing that they are going to be the bank that Im depositing funds to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: MI
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:
The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account # - XXXX The results are : WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : XXXXSTATUS DATE *CLIENT NAME *BALANCE DATE. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX : ( XXXX ) XXXX The results of the supposed independent investigation showed no cause for the unverified account to remain on my account. Ample request for investigation have been made to both collection agency and credit reporting agencies as to the accuracy and validity of this account. Please help me to make both collection agency and credit reporting agencies follow the rule of law and not violate the rights provided to consumers in both state snd federal ruling.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I purchased some items from XXXX and paid with my XXXX XXXX Credit card through Paypal. The items came up to XXXX in total. The items was supposed to be delivered in different boxes by XXXX  and XXXX. The box that was supposed to be delivered by XXXX was left outside by the door and or misdelivered. I never seen the items in that box that amounted to XXXX The rest of the items was delivered to me successfully. I then called XXXX spoke to XXXX and she credit me in the amount of XXXX for some of the items in that box but not all. She could not refund me the full amount of what was in the missing box because " There is a certain Limit of what she can refund '' she suggested I called my credit card company and file a dispute. I called XXXX XXXX and asked them to chargeback XXXX only for the items I did not receive I had already included the XXXX refund from the XXXX. There was a item that i received from the other part of the shipment that I returned to XXXX and received XXXX refund. That refund was also not included in the chargeback. A few months later I get a email from paypal that because of the chargeback I initiated I was double credited in the amount of XXXX and that paypal would limit my account until I paid amount to remove that limit from my account. I had a hard time calling paypal because of the pandemic, So I sent online messages and uploaded correspondence to paypal trying to show them that I indeed did not owe XXXX. I called on XX/XX/XXXX and got a response that the amount owed was sent to paypal internal collections. I again sent statements proving to paypal that XXXX XXXX only charged back XXXX and not the full XXXX. They finally closed my account today and claim I still owe paypal XXXX XXXX. I can no longer send them a message in regards to my account or balance or use the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: MRS BPO, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-18
Company: U.S. BANCORP
State: MA
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:
Elain Financial Services didnt give me credit on my account for the month of XX/XX/2020. As factual proof of payment for the month of XX/XX/2020, I provided Them with my citizens bank statements showing multiple payments being made via automatic pay for the month of XX/XX/2020.

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 2023-05-26
Company: EQUIFAX, 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 13th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
According to 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. 

I DID NOT GIVE CONSENT OR INSTRUCTIONS, for XXXX  XXXX # XXXX or consumer reporting agencys to put late payments on my consumer report, without my knowledge or instruction. 


DELETE or REMOVE, or update the account to never late/ paid on time! Immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief