BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Dear sir or madam As of XXXX I wanted to refinance for a lower interst rate but I was denied this privilege and I was offered a loan modification in XXXX as the only response to put my monthly mortgage lower, since it was hard for my family to keep up with the payment. I have never miss a payment. 
In XXXX, I decided to refinance to be able to finish to pay in 15 years and lower my interst rate. It was denied many times. I reapplied with my wife XXXX and it went through. in the process of closing my mortgage refinancing that I have started with Bank of America, the bank that managed my mortgage since XXXX. After setting a closing date, bank America was asking me to pay about {$10.00} within 2 hours to be able to close. I did not have that money and still wanted to lower the interest rate that is toxic for my finances. They cancelled the closing. 
I was told this money is a retention from the HUD from XXXX the transaction became official in XXXX as per HUD paper. I can say from XXXX to XXXX I never paid late in fact if you look at my payment history I paid 3 months in advance to catch up. I do not receive a deduction toward my principal for paying several months early. 
Dear secretary of HUD, I will welcome any measures that will allow me to lower my interst and prevent insolvency.

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 2021-09-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: FIRST HORIZON BANK
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently received a letter in the mail from First Horizon Recovery Department stating that this was attempt to collect the debt for a account that was in the positive for {$5200.00}. According to federal law I am not obligated to pay any amount debt in which, I responded back to them with a affidavit of truth letting them know about the violations that was violated. I haven't received a full line by line response from them yet they only answered part of my affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
a few years back a did a refi on my property with XXXX XXXX, who in turn sold the loan to Bank of America, since I had to relocate for work I new there would be a lag in payment delivery, so to off set this I paid advance 2 month on my mortgage and all went well for almost two years, I noticed I as getting late fees from Bank of America. when I called to find out why they 1st told me the account payments were " late '' and the fees are the result. I told them that was not possible as my account is advanced two months to remain current at all times. my repeated inquiries went unanswered and fees continued I tried to get assistance from a manager but there was o help there. Finally one rep that I contacted actually looked into my concern and told me the only thing they could see n review was that when Bank of America moved their office from XXXX to XXXX they did audits of accounts and took all advance payments and applied them to the principle. well this completely has put my finances and my home at risk and they act now as if they cant find me. Several calls and been made to no avail and even trying o get a HARP has been denied by them saying I cant qualify which leaves only forced foreclosure or bankruptcy as an option,

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 2021-09-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have called XXXX XXXX XXXX and Equifax more than 10 times. I have submitted the appropriate dispute documentation more than 5 times. They have refused to help. The hard inquiry is fraudulent, and the information that has been sent shows the appropriate documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 XXXX has several hard inquiries on my credit report that I did not authorized. These come from the date ( s ) of XX/XX/2020. They appear from the name ( s ) of XXXX XXXX XXXX and XXXX. I am asking that they be deleted from credit profile.

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 2016-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
A Notice of Default and Election to Sell has been recorded with the XXXX XXXX County Recorders Office on XXXX XXXX, 2016 in error violating RESPA enforced by Regulations X and Z and the California Homeowners Bill of 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 2021-09-15
Company: Affirm 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:
I would like to report that on my XXXX credit report appeared a company AFFIRM INC based in XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX CA showing a revolving credit that did NOT apply for. More over I have noticed 3 hard inquiries from XXXX XXXX ; XXXX XXXX XXXX XXXX and XXXX XXXX XXXX., XXXX XXXX that I did NOT place. I have contacted AFFIRM and they said they do not see such loan under my name, I have attempted to contact the other 3 companies about the hard inquiries unsuccessfully. I have also reported the issue to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card
Issue: Billing statement

Complaint:
I received a cc statement on XXXX XXXX. Therefore, I made the {$290.00} payment on XXXX XXXX, which was due XXXX XXXX. Fidelity charged me a {$25.00} late fee because they said I can not make a payment the same day I receive a statement. Therefore, they said, I would have to make another payment of {$280.00}. In essence, I had to make XXXX payments in the same month. They refunded me the XXXX payment, but then, they told me, I would have to resend the same payment back in. Then, in for the XXXX XXXX statement, they increased my minimum payment, even though my balance was lower.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Mr. Cooper Group 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been longer than 30 days, and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had deposited a settlement check from my attorney in the amount of {$11000.00} to my BofA checking account through an ATM machine at the branch. I had never deposited any bad check with BofA ever. However, they had held the funds and would not release it while I contacted them many times requested that they release partial funds so that I can meet up my bills because they 're due. Unfortunately, they came up with all kind of excused that they could n't get hold to verify with the branch. After hours of waiting on the phone, they still wo n't do anything about it. I then requested to provide me a number so that my law firm can contact and help resolve any issue they might have had and as a result they wo n't talk to him and was not helpful at all. I explained to them that the check payable to me was from a client trust account and there should be funds available. I requested that they release some funds so I can pay my bills otherwise I will get charge the late fees. Unfortunately, they would not do anything at all. This makes me very upset and there 's nothing I can do about when my bills are due and the funds available to me are being held. It is unjustifiable and unfair 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 2021-09-15
Company: JPMORGAN CHASE & CO.
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:
In credit card disputes with merchants, JP Morgan chase does not ask us its customers to present any evidence when we are contesting a charge. 

In my case, I bought two train tickets in error in XXXX. I told the train operator who agreed and handed me a receipt to take to the ticket booth to get a refund. The booth was closed and thus I had to contest the charge with Chase. I was waiting to present the refund receipt I was handed by the train operative- but chase never asked for it and found in favor of the business. This has happened countless times with Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-15
Company: EQUIFAX, INC.
State: VA
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:
Unauthorized inquiries on my EQUIFAX And XXXX consumer report. Ive filed ID theft already and they have not assisted me properly. The account number for the collection account on EQUIFAX is XXXX. They failed to verify the information prior to adding the information to my consumer report. It is also stated on the account summary that the account is a medical bill and that is also against the law

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX 2009 I was approved for a short sale due to divorce with BOA. It has been a nightmare since then. I have had to dispute their payment status on the APPROVED short sale on multiple occasions. I have sent them letters and they have corrected the status to paid. Today I received an alert XXXX that my payment status is " LATE " on the mortgage was settled back in XXXX 2009. I have already disputed this item so I am unable to dispute with XXXX bureaus because this problem continues 6 years later. I have sent letters directly to BOA and all was corrected. 
I am currently in the process of closing on a FHA approved loan and now there are lates in my payment history. I am closing on XXXX XXXX and need this corrected immediately. There are multiple phone # 's listed for BOA and I am frustrated that the payment status continues to change and I can not seem to resolve the issue permanently. Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: Mandarich Law Group, LLP
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Client and XXXX XXXX XXXX satisfied debt per agreement and Debt Collection Company was supposed to file Satisfaction of Lien with court but never did. They told me ( client 's attorney ) over the phone that they did send the sanctification of lien into the court but that was not true. They later told me over the phone was not true.

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 2021-09-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello I ask you to pay attention to these fake accounts and figure out their origins because I do not know these accounts and they are not mine. 

Please take a look : XXXX XXXX XXXX I want you to investigate and apply proper action in order to remove them from my profile Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: EQUIFAX, INC.
State: IA
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 sent a dispute letter to Equifax on XX/XX/2021 in regards to inaccurate and incomplete information on my credit report and I havent heard anything back in regards to that dispute. Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
i Called the number that is on my navient bill and spoke to a gentle man who said that i qualified for a student debt relief program. he said that there was {$600.00} filing fee. i gave him my credit card and social security information and navient account number. he said that he worked for navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I inadvertently discover that B of A has " misplaced '' my heloc payments on 4 different occasions. They were eventually " found '' after several months, however, the math in calculations is suspect i.e. when a payment was lost, I was charged interest and when the payment was found, I was charged interest again. 
I have been trying to resolve this problem for 2 months and all I get are promises from the " official '' at the branch office. I have a very documented journal of what has transpired, as well as bank statements proofing my concerns..

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 2015-05-05
Company: Illinois Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX was the last time I was contacted by Illinois Collection Services to the best of my recollection. I was contacted over an {$84.00} bill that my insurance company informed me they had paid. I explained to them that this was paid by my insurance company and I have not received any further communication from them regarding this issue. Apparently XX/XX/XXXX they then sent me to collections over a matter that I had reasonably assumed was resolved since I had not received any further communication from them. I learned of this being sent to collections from a XX/XX/XXXX credit report request. At no time did Illinois Collection Services contact me to let me know this was an ongoing issue. When I asked to see the documentation of this supposed debt that their representative quoted several times while speaking to me on the phone, she would not provide it or tell me how to obtain it and transferred my call to a voicemail. If, in fact, my insurance company did not pay the {$84.00} like they informed me they did, then I would have pursued this further had there been any communication from Illinois Collection Services that the matter was still open. I have not received anything from them in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, or yet in XX/XX/XXXX. I would like this matter removed from my credit report because I believe it was improperly put on my credit report, and reasonable communication from them would have resolved this minor issue of {$84.00} before the situation escalated to this level.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: EQUIFAX, INC.
State: MS
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:
on XX/XX/2021, i sent Equifax a letter requesting the inaccurate information be deleted from my credit report, asking for the validity of the debt and/or it be deleted from my account because this is my 3rd and final letter before I turn this matter over to an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have continuously disputed the following 2 items on both my XXXX and Transunion reports. I have no knowledge of these accounts. I have contacted the debt collector and requested information and they refused to send it to me without verifying my social security number. I have never received a bill from this company and I have no outstanding medical debts I have had continuous medical coverage for the past 15 years that would cover any medical bills. The credit bureaus refuse to remove these items claiming they are valid, but I have not received any valid information. Item 1 : XXXX Collection/Chargeoff Other {$530.00} Status Date Reported XXXX XXXX, 2017 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name XXXX Original Lender MEDICAL Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$530.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Remarks Placed for collection. Item 2 : XXXX Collection/Chargeoff Other {$100.00} Status Date Reported XXXX XXXX, 2017 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name XXXX Original Lender MEDICAL Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$100.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Remarks Placed for collection.

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 2016-12-21
Company: Meade & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was XXXX when this debt took place, It can not be from me.I wasnt released from XXXX until XXXX 2016, can u please remove this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I contacted Equifax to dispute Chapter 7 bankruptcy since bankruptcy is not reported by Federal Courts, I requested a signature to verify and received letter stating : " A discharged chapter 7 bankruptcy remains on the credit file for ten years from the date filed, this information was verified via XXXX '' However, no form of validation was received. 
XXXX and XXXX have both removed this item. 
Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I mailed a letter about inaccurate accounts on my credit report and requested an investigation. It has been 4 months and I still haven't received any results in the mail and these unverified account still show on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Conduent Incorporated
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
My card was locked after I made a purchase I tried to get it unlocked and I was told to send my identity verification I did but they said my ID was expired. I obtained a new ID and sent it to them now they say they cant unlock my card and I contacted XXXX and they said they dont do that they have no way of verifying identification through the phone or instituting a MLU process

Company response to consumer: Closed with explanation