BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, a complaint was filed against XXXX XXXX Mortgage with CFPB to recover a missing mortgage payment in the amount of {$3400.00}. The mortgage payment in question was made on XXXX XXXX through my checking account at Bank of America XXXX 
An investigation conducted by a XXXX XXXX Mortgage, on XXXX found, the XXXX XXXX payment was returned to the Bill Pay Department XXXX Bank of America XXXX XXXX XXXX, and therefore, I should contact Bank of America for XXXX XXXX recovery. 
I have contacted Bank of America several times and requested, that the payment received on XXXX XXXX from XXXX XXXX Mortgage XXXX credited to my checking account at Bank of America XXXX So far, Bank of America has not complied. 

My request is, to have Bank of America XXXX the XXXX XXXX XXXX XXXX Department XXXX Bank of America and locate the returned payment in the amount of {$3400.00}. 

Please note. XXXX XXXX claims, XXXX mortgage payments were returned to Bank of America on the following dates : XXXX ) XX/XX/2021 ( Not Credited to my account ) XXXX XXXX retuned to XXXX XXXX Department at B of A. 
XXXX ) XXXX XXXX ( Credited {$3400.00} to my account ) XXXX ) XXXX XXXX ( Credited {$3400.00} to my account )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have called Equifax 3 times to ask why my credit score dropped XXXX points within a few weeks. Each time I call they give me a different answer about why they can not provide me with any reasons why my score dropped. I feel very strongly that if a credit reporting agency has the power to raise and lower your credit score and have that information impact a consumers an ability to obtain loans, mortgages, credit cards, etc., then the information should be extremely accurate and fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Mortgage Electronic Registration Systems ( MERS ), Bank of America ( BOA ), and XXXX  ( Servicer ) have executed fraudulent assignment. 

2. XXXX XXXX XXXX assigned its interest to BOA on XX/XX/XXXX 3. BOA assumed the assignment XXXX ( Loan was paid thru XXXX, XXXX closed XXXX, BOA & XXXX have no history of payments etc. 

4. ( Fraud ) MERS reassigned BOA thru erecording on XX/XX/XXXX ( no book #, no page #, and original mortgage payments never applied to a reduced amount. ) 5. These companies have " no standing '' to enforce a lien on my property XXXX XXXX XXXX, XXXX, PA XXXX. 

6. PA statue of limitations due apply, if this assignment have any merit. 

MERS and Bank of America continue to deny me information referencing these outdated liens/ assignments that are not present on my property deed nor credit report.

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 2017-06-07
Company: Experian Information Solutions 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:
in reference to these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : Please be advised that I have received your correspondence datedXX/XX/XXXX This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity. <P/>I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. Awaiting your reply in a timely manner. Sincerely, XXXX, XXXX SS # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2017-06-07
Company: CCS Financial Services, 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: Account information incorrect

Complaint:
Credit Control Services Inc is  reporting negative information on my credit report. I have reached out to them and the people who " supposedly '' sold my account to them. I have NO CONTRACT with them nor the companies who sold them my information.The negative reporting is damaging my credit file. They are unable to provide any documentation that I have an contract with them. The address they have affiliated with this file is not mine. I offered to provide them proof of my address where I have been living for almost two years.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I overpaid CapitalOne {$110.00} ( {$100.00} + 10 cash advance fees for unfunded transaction ) but they refused to refund my money because I am not able to provide them a copy of my SSN card. I requested to close the account several months ago and the money was not refunded. The monthly statement said I have a - {$100.00} but CapitalOne still did not want to send me the check for that amount. They kept saying there was a restriction on the account because I did not mail them my social security card. I verbally provided them but that was not enough for them. I do not have the physical SSN card so I can not provide it to them. 

The social security website says that we don't need to have the physical SSN card, just remember the number is adequate. CapitalOne is using unreasonable reasons to keep people 's money without paying interest ( while they charge people over 25 % interest for using their money ). I offered CapitalOne that I could provide them a copy of my passport, but they said no. Basically I have to give them what they ask or they would not refund my money. 

I provided CapitalOne everything they asked for when I applied for the card. Now they just don't want to refund the money because I can not come up with the physical SSN card. If they ask for my physical birth certificate and I don't have one, do they have the right to keep my money? In my opinion, CapitalOne is comparable to thieves and unethical. Capital One should be investigated for their unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Trojan Professional Services, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This was a XXXX amount owed for a XXXX. I paid the balance in full to XXXX XXXX XXXX. They are stating that I was passed due and they refused to take this off my account. They were also sending bills to my wrong address. They had my corrected address but insisted that I still lived at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: DISCOVER BANK
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been disputing this account with the bureaus since XX/XX/XXXX and started to dispute directly with the company, Discover Student Loans, on XX/XX/XXXX. When they didn't respond to me, I sent another dispute requesting validation of debt on XX/XX/XXXX and again on XX/XX/XXXX. Today is XX/XX/XXXX and I have sent ANOTHER dispute through certified mail to Discover Student Loans, but to date I haven't received anything from them and I don't believe this debt is valid! They have yet to validate it as well!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my personal credit report, which I acquired from your organization and I noticed unauthorized and fraudulent credit inquiries had been made. I contacted the sources who conducted the inquiry and asked them to remove their credit inquiry from my credit report. 
I request that you investigate these inquiries on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiries and send me an updated copy of my credit report at the address listed above.If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX XXXX XXXX  of completing the investigation. The inquiries are as follow : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX & XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX XX/XX/XXXX

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
Consumer complaint received 2017-06-07
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I financed a XXXX Nissan Altima from Nissan Motor Acceptance Corporation ( NMAC ) in XX/XX/XXXX. I also purchased GAP and other warranty products at the time of purchase. On XX/XX/XXXX I was involved in a car accident in which the vehicle was totaled. My insurance paid most of the car balance off with NMAC except for approximately {$1500.00}, which comprised of the GAP premium and warranty package. I filed a claim with the GAP company listed on my loan documents from NMAC which put me through a series of hoops in order to fax them paperwork every week only to not review it for another whole week and send me a letter via mail each time they requested new information. I would not receive a call related to my claim or any direct communication. I spent over 3 months trying to have the remaining loan balance paid off with NMAC. I even requested to just have NMAC place the remaining balance onto the new car I financed with them in XX/XX/XXXX. They declined. Instead they insisted on allowing my GAP claim to be denied for charges that were only there due to me even purchasing the GAP and extending warranty to begin with. Had I not purchased these products that in no way helped me in the way they portrayed that it would if I ever was to find myself in this situation, I would not have a remaining balance on this loan. Since I had to purchase a new car after totaling my car I could not afford to continue making payments on the XX/XX/XXXXloan, thus it has affected my credit significantly. I feel this practice of selling GAP products without fully explaining how they work is a total sham. I

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Experian Information Solutions Inc.
State: PA
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 have spoken with XXXX on XX/XX/2021, XX/XX/2021, XX/XX/2021 and filed a dispute with experian on XX/XX/2021 which was completed on XX/XX/2021 regarding this issue. My car was deemed a total loss on XX/XX/2021. The lender XXXX reported it to the credit agency as a closed account with a comment paid by insurance instead of paid in full with the amount that was paid. Ive spoke. With them multiple times and each rep has stated that I can dispute it and then itll get corrected and so when the dispute results came in XX/XX/2021 the only thing that changed was the comment nothing else. I did not willing close this account the account was still active when my car became a total loss, the check was back dated to XX/XX/2021 so I do not understand why the account will show closed instead of paid in full. XXXX sent me a paid in full letter on XX/XX/2021. But are not reflecting the information correctly on my report.

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 2021-11-12
Company: EQUIFAX, INC.
State: CA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whom It May Concern : Please be advised that I have received your correspondence dated  XX/XX/2017    This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid.  See   FTC.gov staff  attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity.   I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you.   Awaiting your reply in a timely manner.   Sincerely,  XXXX   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 2017-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I applied and was approved for a secured credit card throug h CapitalOne  in     XXXX   XXXX   I submitted {$200.00} as my " secured '' balance and began to use the card. In    XXXX   XXXX     , I submitted {$250.00} more as a way to increase my limit and, two months after that, {$300.00} more, for a limit of {$750.00}. (  CapitalOne  would not increased my limit without the security deposit. ) I recently closed this account, now that I was able to qualify for an unsecured real credit card. There was no balance on the account when I closed it, but they told me it would take one cycle before they could return my security deposit. After about two months, I received a check for {$350.00}. I called to find out why I was n't sent the full amount, and the representative said there were additional charges on the account after I 'd closed it ( not true ). Then he said there were nonrefundable fees. This card had a high interest rate, but no fees.  <P/> I really would like my {$400.00} back and I am hopeful that you can help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have paid consistently since XXXX. They have changed the payments every so often. They filed a foreclosure action back in XXXX or so and because of circumstances, forced us to enter into a temporary modification to repay and we made every payment and have done so. Then for some reason, even though we paid monthly, they filed foreclosure action again. We entered into another loan remp modification, made temp payments as agreed, but when temp modification concluded, they presented us with a new permanent loan modification that would have added an additional {$110000.00} of interest onto our balance. When I did all the calculations for them and did all the comparisons for them in detail, they did not even bother to respond. In facet, they said take it or leave it, but they did accept payment for every month since the foreclosure has been filed. It should be noted that the present rate of our mortgage is 6.9 %, over 4 % the going rate. They apply funds any way they see fit. We have requested on several occasions to work with us to resolve the matter because we pay, we have Illness in the family including XXXX, Post XXXX XXXX XXXX, XXXX XXXX XXXX, and still made payments every month the foreclosure has been pending, but without rational explanation, proper accounting of funds posted and proper rebuttal to the outrageous proposal in their original loan modification, they refuse to offer any reasonable mitigation or modification instead move like a predator. All this can be documented upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: PA
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, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following account completely from my Credit Reports : XXXX  XXXX XXXX XXXX Balance {$0.00} Opened Date XX/XX/2017 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: CITIBANK, N.A.
State: OR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
We had a mortgage resolution conference with  Citibank  on  XX/XX/XXXX    and both parties came to agreement. We were set up on a trial payment plan for 3 months. I paid {$930.00} that day and here is a list of the other payment dates of {$930.00} :  X/XX/17   ,  X/XX/17   ,  X/XX/17    and  X/XX/17   . I tried to speak to  Citimortgage  yesterday to make a payment and question the wrong statement they sent me, but after  57 minutes and being shuffled between four differe nt departments while waiting to speak to a fifth department my call was dropped. I sent an email to an  XXXX   XXXX  who is my dedicated??? Homeowner Suppor t Specialist aski ng him to call me after   XXXX   XXXX   which he did not yesterday or today.    Citibank sold? my mortgage to Citimortgage. Citibank or Citimortgage is confused, messed up or ridiculously inept. They have not sent me any documents after the 3 month trial period pertaining to the modification, they say I have a past due amount of {$50000.00}, say I am being charged {$41.00} late fee, and their   principal balance is wrong.

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