BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I obtained a mortgage with America Wholesale Lender on XX/XX/XXXX. The loan was later sold to Countrywide XXXXXXXX XXXX XXXX XXXX which was acquired by Bank of America in XXXX. Even though I have paid off the mortgage in XXXX, Bank of America/Countrywide XXXX XXXX XXXX has not released the lien the company still has on my house. 

I have contacted Bank of America several times in the past to have the lien released. Specifically, I called the company on XX/XX/XXXX, and XX/XX/XXXX, to fax them a copy of the Deed of Trust and a letter from Countrywide XXXX XXXX XXXX XXXX confirming that my mortgage was paid off in XX/XX/XXXX. Until today, nothing has been done on my request and my most recent calls to the company went unanswered.

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 2017-10-20
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am using TCF bank checking account. I have never consented to opt-in rule ever since I opened the account in XXXX, but I have just found out that they automatically put me in these option. And there was XXXX transactions ( credit card payment ) when I did n't have enough balance in my account. But the bank charged me {$74.00} for those XXXX transactions. I called the bank and explained the situation, but they did not apologize their arbitrary action, which is the violation of the law, and still insisted to charge me for the transactions since the transaction, which is credit card payment ) is related to my bank account. I do n't get it. If there was not enough balance in my account, they should have declined the transaction rather than charging me overdraft fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-05
Company: Experian Information Solutions 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:
Theyve been selling my information, which is not their place. 
Theyve been able to furnish my score for me, also without my consent or permission. 

Theyve assumed the responsibility, and have failed to respect my privacy.

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 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-06-04
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
After reviewing my free annual credit report in late XXXX, I noticed Nelnet had been reporting to the credit bureaus that I had 16 missed payments with them. Confused, I called to speak with a representative about this error who informed me that because I have 4 separate loans with Nelnet, when I missed 4 payments during the summer of XXXX, ( XXXX, XXXX, XXXX and XXXX ) it is reporting as 16 late payments. 

I expressed to the representative that this reporting of 16 missed payments is a bit misleading as I only make one monthly payment to Nelnet that is then disbursed between my 4 loans. The reporting of " 16 missed payments '' is not a fair and accurate representation of my payment history with the lender. She advised me to send a " goodwill letter '' to the " higher ups '' since they are the individuals who have to power to approve those types of changes being reported to the credit bureaus. 

On XX/XX/XXXX I sent a goodwill letter via email to Nelnet 's six Executive Leadership team members. To this day, I have not gotten a reply about why this situation could not be worked out. 

I followed up in XXXX with the credit bureaus and was informed by all three that any changes made to the payment history has to be initiated by the lender in their monthly report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: Critical Resolution Mediation LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call from a  XXXX   XXXX  at  XXXX , stating that a case has been filed against me in  XXXX   County Court fo r some unknown debt. Upon checking the Clerk of Cou rts Online d atabase of filed cases nothing. I do n't know who these people are, who they purportedly represent. I just wish the CFPB would do their job and prosecute these people for their numerous violations  of Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capital One Bank {$660.00} and the below creditors are reporting unverified information on my account and this is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims. 

Capital One Auto Fin # XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX  {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX # XXXX XXXX   XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Dear Sirs, I, XXXX XXXX XXXX, customer of XXXX " XXXX Bank '', XXXX, XXXX, which has a corresponding account in Bank of America , N.A . 

XXXX I made a wire transfer transaction from XXXX Bank, XXXX. ( Please, look through attached file ) to my account at XXXX Bank. 

wire transfer XXXX from XXXX XXXX USD XXXX XXXX XXXX XXXX Unfortunately, the transfer has not still arrived at its final destination, it is at Bank of America corresponding account now- as far as XXXX Bank informed me XXXX It also provided me with the details of its current location- and that Bank of America received additional information about the wire transfer on XXXX. 

I have to tell you, that it is not a pleasant surprise for me to wait for such a long time for my money, i hope you understand my feelings. 

Please, be so kind, provide me with the information about the possibility for me to receive the transfer as soon as possible because it is really important for me as I borrowed it from the bank for not a very low % ( 21!! ) need to pay from this money for my moms needs as soon as possible. 



Please, Do not hesitate to contact me if it necessary.

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 2022-05-03
Company: Experian Information Solutions Inc.
State: AL
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.15 U.S.C 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-05-03
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-08-05
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In accordance with the Fair Credit Reporting act XXXX  AMSHER COLLECTION SERV has violated my rights. 

1 ) Account name : AMSHER COLLECTION SERV Original creditor : XXXX  Account info Account number : XXXX Date opened : XX/XX/2022 Account type : Collection Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Balance on XX/XX/2022 : {$480.00} Original balance : {$480.00} I didn't recognize this debt. 
Eliminate this from my Credit Report 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
If I am right PayPal place limitation on my account at XXXX Avg. after that I provided all documents they ask me, next day then take from me {$1800.00} USD. I got mail : We regret to inform you that we're initiating the closure of your PayPal account. This measure is necessary to protect us from potential financial losses. 

And they said maybe will give me my money back before 180 days, they are very rude at the phone, not wanting to find a fair solution for me. Horrible! 

I got big financial lose because company of millions of dollars cares about their selfs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Colony Brands, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I noticed an unrecognized account in my name. Filed a dispute with Montgomery, the card issuer. Filed a dispute with XXXX  also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: EQUIFAX, INC.
State: SC
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 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2016 I experienced financial hardship. I applied for a modification. Since then now I have been denied because of the time lapse according to guidelines. 

Its not my faught that time has lapse from the initial time. 

I am furious that I am a mortgage professional and licensed now with a new career which helps me to hold down my responsibilities. 

The denial states my hardship will never end. Thats very unfair personally injury 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 2017-10-20
Company: Bread Financial Holdings, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX 2016 I went on XXXX to pay a vendor with my credit card. I entered my credit card info and assumed that {$1100.00} was put on my card. What I found out 10 months later was that, without my knowledge, they enrolled me in a 6 month no interest promotion. I did n't receive any bills until after the promotion ended and then was hit with all the interest. They will not remove the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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: Account status incorrect

Complaint:
XXXX XXXX XXXX has falsely reported a credit card account from XXXX XXXX as open in the amount of {$310.00}. XXXX  XXXX is no longer extending credit and the account is closed. 


XXXX. Defendant violated FDCPA 15 U.S.C. 1692e ( 2 ) ( A ) by falsely reporting the legal status of the account as Open to XXXX, Transunion and XXXX consumer reporting agencys as defined by 15 U.S.C. 1681a ( F ).

54. Defendant violated FDCPA 15 U.S.C. 1692e ( 2 ) ( A ) by falsely characterizing the account status as " Open to XXXX Transunion and XXXX  consumer reporting agencys as defined by 15 U.S.C. 1681a ( F ).

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.

15 U.S.C 1692g states I have rights to validation of debts and also that I gave written communication to allow these accounts on my 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 non-monetary relief
Consumer complaint received 2022-05-03
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: Credit inquiries on your report that you don't recognize

Complaint:
contacted Equifax by phone with assistant due to my hearing loss I needed help. The representative listed all fraudulent inquires on my report, I was informed I can not be helped because of my assistant being on the phone. listed below are the fraudulent inquires I would like removed. 

XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
One XX/XX/2017 I deposited a check from XXXX XXXX. At that time I was told the funds would be available in two days and they would release XXXX upon deposit by a lady name XXXX. However, when the funds were not available, I then went back to the bank and was told by XXXX there would be a ten day hold as suspected fraud. I asked for the check back so I could have XXXX XXXX wire the money they said it was too late. XXXX then informed me they could not give it back because it was sent to the Federal Reserve for Investigation and they automatically keep them for 10 days. I contacted the Federal Reserve, they told me this information was not true and advised me to contact you. Prior to contacting you, I called once more, spoke with XXXX and she also confirmed to me the check was sent to the Federal Reserve for suspected fraud that the check was not XXXX XXXX 's. ( I am sure the recordings will reflect my truth in this ) I informed her I was told by the Federal Reserve that was not correct the Federal Reserve does not do that. I told her XXXX XXXX offered to verify the check was theirs and she said they do n't call and verify nor do they accept phone calls. I told her XXXX XXXX offered to wire the money, they said that could not happen. I asked then if it takes at most 3 days most for the money to be put in the account why would they even consider holding it ten days? If it 's subitted to XXXX XXXX, they put the money in the account, it is obvious NOT fraud, so why hold it ten days? Why on top of that require after the funds are put in account, why require Proof of Payment? Sounds like a lot being done to hold on to a check. She said that was the guidelines set by you. There is no fraud, which is obvious, I know there is n't. XXXX XXXX has tried to help resolve this. I have NEVER had fraud nor committed fraud on my account. What is sounds like is they just want to hold the money for as long as they can to draw interest, if you think about it, if they do this to 5 % of their customers daily it can add up. This is not right, I do n't even have money to buy groceries right now or put gas in my vehicle. I am not rich, I live pay check to pay check. They are also requiring even if money released for XXXX XXXX to issue a proof the payment was taken from their account and said even when they do that it takes 48 hours. They did not tell me this when I deposited it on XX/XX/XXXX either. I know this all sounds so unbelievable you have to think there must be some sort of fraud or I have to be a bad person but there is no fraud and I am not a bad person. I have had an account with them, I did not use it much as I was laid off when my company closed but I have finally went back to work.

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 2021-07-22
Company: EQUIFAX, INC.
State: DE
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 problem with my credit score with Equifax and XXXX. First of all, on XX/XX/2021 I checked my credit with XXXX XXXX website that provide vantage score result, my score dropped 62 points. When I look on what's change in the credit report, it's no major reason that will make my score drop like that. Then, on XX/XX/XXXX, my credit score in XXXX was dropped 74 points with no any major reason. I tried to figure it out about that and I remember that I tried to dispute some errors in my credit report with Equifax and XXXX earlier before my score drop. Both companies finished the dispute and update on my credit report that every errors were corrected and no change anything in my report and then a week or so, they decide to drop my credit score by no any explanation at all. I tried to dispute about this issue with them, but they don't have any options that I can submit this dispute or errors.

Company response to consumer: Closed with explanation