BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened an account with Bank of America ( BOA ) in XXXX. Bank of America closed my account XXXX because of Inactivity on this account, current or past delinquency, derogatory public record ( s ),  and/or collection account ( s ), current or past delinquency with one or more of my creditors, number of accounts, paid as agreed, is too low or I had missed payments recently on some of my accounts. Bank of America indicated information on my credit was provided by XXXX. I contacted Bank of America to dispute the closing. They told me I had to dispute with XXXX because they do not process disputes. If I wanted the card reopened, they would do a hard inquiry on my credit report and open a new card. I did not agree because the account was closed based on incorrect information. I contacted XXXX for a copy of my credit report and to dispute the information provided to Bank of America because I was not aware of information on my records. Upon review of my records from XXXX, I did not have the items listed by Bank of America. I had no adverse accounts, no late payments, no public records. I have submitted two disputes with XXXX on XXXX and XXXX requesting Bank of America reopen my  account with the 25 year credit history. The XXXX dispute was denied. The XXXX dispute to request Bank of America reopen the account is open.

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 2020-08-18
Company: EQUIFAX, INC.
State: OH
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: Old information reappears or never goes away

Complaint:
So I do believe that I am a victim of Identity Theft and I have tried to obtain my Equifax report online and they ask me questions to identify who I am and I have been a victim of Identity theft in the past, and the questions that Equifax is asking me questions on my credit report that I can not answer because the questions that are being asked were things that purchased, accounts that were opened when I was a past victim of identity theft. I have asked multiple times for my questions to be changed to current questions, they are asking me information from 15 or more years ago and I cant answer the questions. I want the questions changed and I want a copy of my credit report in a timely manner. Which I am not receiving yet and I want to be able to access my report from Equifax. I have been able to access every report accept Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account has been limited this is not the first time this has happened it is about the XXXX XXXX all money frozen business shut down completely, all because I disputed charges. My account has been open for over 25 years and I have been a loyal customer that has never filed a dispute on a charge numerous charges that I should have in all these years and this is the type of treatment that I get for my loyalty and bringing truck loads of money to paypal over the years through this and numerous other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this debt and then I started getting collection letters from Transworld Systems , Inc. The debt was originally from XXXX XXXX XXXX XXXX which I did pay late, but now have a XXXX balance. I checked online with XXXX and it does show me having a XXXX balance. I paid the debt with my credit card several weeks ago and I 'm still receiving debt collection letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
During the Covid-19 pandemic, I had put my mortgage with Bank of America into a Forbearance Plan beginning in XX/XX/2020. Bank of America clearly stated in our Agreement ( attached, Page 2 ) that they would not report my account to credit reporting agencies as delinquent. 

On XX/XX/2020, I sold the property and repaid the mortgage to Bank of America IN FULL. One week later I received a notification from XXXX and XXXX that Bank of America had reported my loan to the credit reporting agencies as 90 days delinquent and my credit score dropped 83 points. I was in the process of refinancing the mortgage on my personal residence and that is now delayed because of this. With rates rising, Bank of America is going to owe me compensation for this. They clearly are in violation of our agreement. 

I contacted and filed a dispute with XXXX and XXXX and they stated that " This creditor has verified to OUR company that the current status is being reported correctly. This creditor has verified to OUR company that the prior paying history is being reported correctly. '' I need to have this " delinquency '' removed from my credit reports and Bank of America needs to compensate me for losses sustained from not being able to refinance my personal mortgage at a lower rate.

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 2015-09-22
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
The reason I am submitting this form is I fell for a scam for modeling. On XXXX I was contacted by a man or woman named XXXX XXXX they claimed they were the XXXX. After we exchanged a few emails, he or she told me they are sending a check from XXXX bank in the amount of XXXX dollars. After the check was received I deposited it and proceeded to follow their instructions which were to send XXXX to XXXX XXXX XXXX and XXXX XXXX XXXX. Today I received a notice in the mail stating that the check has bounced and that my account is frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Experian Information Solutions Inc.
State: GA
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-22
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: Information belongs to someone else

Complaint:
someone is getting credit cards in my name without my permission

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 2020-01-09
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: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized Inquiries. I did not authorize or have any knowledge of such inquiries. I have no dealings with XXXX, XXXX XXXX, XXXX XXXX or XXXX XXXX. Nor do I have a account or have applied for anything. 

Capital One : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: TrueAccord Corp.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
We have been retained by XXXX XXXX XXXX for a limited amount of time to help you resolve your late balance of {$770.00} with a default date of XXXX XXXX, 2016. XXXX XXXX XXXX sent us your information in order to collect this overdue balance. 

We request that you make a payment and resolve your balance. 

Please click here to view your payment options. You can also respond to this email with any questions. 

Regards, XXXX XXXX XXXX ( XXXX ) XXXX Copyright XXXX TrueAccord XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Experian Information Solutions Inc.
State: KS
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:
When I took this credit card out I enrolled in an optional insurance program ( a/k/a XXXX XXXX' ) that would payoff the balance should I become unemployed or XXXX. 

While this credit card made a partial payment as I was unemployed waiting on my XXXX to be approved. It has not paid the balance off as stated in the terms and conditions of the optional insurance program ( a/k/a XXXX '' ). Despite, my sending both doctors reports and a copy of my social security determination showing I am receiving XXXX. 

I have discussed this matter with an attorney that stated this could fall under the " unconscionability '' provision of XXXX  XXXX XXXX. XXXX. I do not want to file suit against XXXX However, if this item is not removed from my credit bureau as it should have been paid in its entirety by the optional insurance program ( a/k/a XXXX  '' ) that I enrolled in when I first took out the credit card, I am prepared to file suit. 

I have also been advised that the optional insurance provision ( a/k/a XXXX '' ) could invalidate the contract because a contract requires offer, acceptance, and valuable consideration. When the credit card was taken out, the optional insurance program served as valuable consideration to my acceptance of the credit card. 

This item needs to be deleted from my credit bureau as I do not owe a balance. The responsibility to ensure accurate credit reporting. Including, disputes regarding the optional insurance program falls on the credit reporter. In this case, XXXX  and their failure to do so, could be a violation of the Fair Credit Reporting Act as well as Regulation Z.

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 2020-08-18
Company: Westlake Services, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account was reported to be delinquent due to communication errors and lapses from Westlake as the address they had on file from XXXX XXXX was INCORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: M&T BANK CORPORATION
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I wrote M & T Bank this letter on XXXX XXXX, XXXX and mailed it the same day. As of today, XXXX/XXXX/XXXX there is no response. 

This letter is in regards to the Mortgage Insurance on my loan. This loan was originally done in XXXX by XXXX Bank. It was sold to M & T Bank within the past year or XXXX. When I originally got the loan, I was told the PMI would go away after 5 years OR after reaching 80 % LTV on the home. 

As of today, the home value has increased enough to be at 80 % LTV and the 5 year mark will be this XXXX XXXX. I did a XXXX Refinance to lower the rate, which I was also told would not affect the timeframe. I was also told if I wanted to get rid of the PMI sooner, I could have an appraisal done proving the equity was there. 

I just got off the phone with a representative today ( XXXX/XXXX/XXXX ) who told me I would not be able to get rid of PMI until XXXX. According to this representative the guidelines are different. She mentioned I have to be at 78 % LTV AND 5 years with the property. According to your system the 5 years started after the XXXX ( I was told it would not make a difference due to the type of loan ) The balance on the mortgage has to be at 78 % LTV from the purchase price, around {$120000.00}. 
In this case, there is enough equity in the home to meet the 78 % and this XXXX will be 5 years. The PMI should go away in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Credit Wise Recovery Solution LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Due to COVID, I lost my employment. As soon as the CARES Act was created by the government, I applied to receive delayed payments in XXXX. XXXX XXXX XXXX approved of my application, and my mortgage payments were entered into forbearance guaranteed by the CARES Act. 

I was issued a ninety day forbearance. When that was about to expire, I called XXXX XXXX XXXX again in XXXX, and I was issued another ninety day forbearance period. My forbearance was guaranteed until XXXX. 

I sold my house on XX/XX/XXXX, while still under forbearance. Yet, my credit company notified me that my credit report now had a 90 day delinquent payment reported to them. 

I contacted XXXX XXXX XXXX to make them aware of this, but they refused to change it- despite the documentation that I have to prove that I was in forbearance under the CARES Act during the missed payments. 

I have settled the loan- paying it off in full prior to the expiration of my forbearance. Therefore, there were no delinquent payments, and I would like to have that removed from my credit report. 

Please see attachments for proof of my correspondence with XXXX XXXX XXXX, the payoff requests, the fact that I was in forbearance and any other pertinent information. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2020-08-18
Company: Experian Information Solutions Inc.
State: UT
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:
I have been trying to get ahold of an agent or someone for the past 2 months to pay on this loan. I have emailed in to their email that keeps sending me promotions and that talks about my investments and I get no response. I call in to their line only to be told that my account is being handled by management and they will call me back but I am not receiving any calls back. 

This is effecting my credit and has dropped my credit from a XXXX all the way down to a XXXX all because of their lack to contact me so I can have this handled. I have not been able to pay for my membership w/ Experian to be able to keep up with my credit for the past 2 months because my priority was to have this loan paid off first but its impossible when no one is calling me back on it. 

I've needed to pay my past due and i need this taken care of because this is not helping me at all for my future. This is the second time this has happened. I have emailed in on XX/XX/20-XX/XX/20 and the most latest I emailed in was on XX/XX/20. 

SOMEONE CALL ME XXXX or email me back so i can pay my bill and so yall can fix my credit. This is ridiculous. I want to be done with this company already.

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 2016-07-02
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I contacted XXXX, XXXX and XXXX in XXXX 2014 about random medical collection accounts on my credit report. XXXX, and XXXX deleted them. XXXX closed them and never deleted them. I went back to dispute the XXXX accounts with XXXX and they only took off XXXX of the accounts. XXXX of the accounts stayed. I contacted XXXX again due to the collection agency not answering any of my questions or returning my calls. I finally got a letter of so called proof. However they are typed up documents stating I saw XXXX ER physcians however XXXX different doctors yet they all have the same TAX ID. That ca n't be legal or ethical. The address on the so called proof of debt is n't even legit. It says the address belongs to XXXX ER physicians but it is to XXXX. They typed up proof of debt and ca n't send me legitimate proof of debt and that it is me the patient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had a mortgage with PennyMac for the past two years. On XX/XX/XXXX, I sent in my annual homeowner insurance renewal questionnaire, but on XX/XX/XXXX I received a letter from my homeowner insurance that they had not received payment and would cancel the policy on XX/XX/XXXX. The homeowners insurance is paid out of my escrow account and handled by PennyMac. I reached out to my insurance agent who stated that PennyMac had been billed, but did not pay. Upon following up and logging into my PennyMac account, I realized that PennyMac had changed my homeowners insurance from a policy with XXXX XXXX to XXXX. I never received a notification that this change was made and almost lost my policy due to the negligence of PennyMac. This is a violation of Regulation X of RESPA. 
I called PennyMac on XX/XX/XXXX and explained the issue. The employee was helpful and explained that PennyMac noticed the house was listed as a rider on a separate XXXX policy and decided to switch my homeowners insurance from XXXX to XXXX without informing me. The employee was able to change this back and send payment. 
A few days later, I received my escrow analysis from PennyMac and it included a disbursement voucher of over {$400.00} and a significant reduction in my mortgage payment because they used the incorrect XXXX policy in their analysis. After two more phone calls, PennyMac reversed the error and sent out a new correct escrow analysis, this one showing I needed to make an additional payment to my escrow account to meet the minimum amount. This has been an extremely frustrating process and my XXXX payment is still listed as the incorrect lower amount that was calculated with the incorrect insurance premium. 
There have been multiple errors by PennyMac which either slipped through their system or there is no system in place to catch these errors. Additionally, the isolating from refund to deficit is wrecking havoc on my budget during a recession and pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
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:
my information was used someone used my identity to open fraudulent accounts these accounts listed do not belong to me I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-08-18
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My Barclays Bank credit card was canceled in XX/XX/XXXX and was inactive since XX/XX/XXXX. Upon cancellation I was reissued another credit card that was never activated. In XX/XX/XXXX I was charged a {$95.00} annual fee for the new credit card ( that was never activated ) and was unaware a fee was outstanding ( because I didnt have the credit card and was inactive ). Barclays Bank submitted the {$95.00} fee to the credit agencies in XX/XX/XXXX, which in turn significantly impacted my credit score, in the middle of a home purchase. Barclays removed their annual fee and acknowledged it was incorrectly charged. However, the damage to my credit score has already been impacted, Barclays refuses to provide any communication of the good standing balance and have cost me a significant amount of money and time. We lost the purchase of our home due to their submission. My credit score was impacted a 150 points in a matter of a month because of this sole submission by Barclays Bank, which was an incorrect charge and was a charge from Barclays ( not a 3rd party vendor ). I have made numerous calls to Barclays and have been told they can not provide me with a letter. This is specific to the XXXX XXXX Credit Card.

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