BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was scammed and the scam was able to access my bank account through a phone scam and emptied my account as soon as I realized what had happened I reached out to my bank filed a claim, gave them all the details I had including phone number used by the scam to contact me also filed a police report they told me to wait for an answer about 45 days there was nothing else to do and when I received the letter from them was completely in shock it was like they did not consider any thing told them about what happened or Amy information. Their response was cold blunt blunt and insinuating that I caused the problem the ladder was unprofessional they simply told me they would unfortunately not be refunding my money they turn down the tell me they followed instructions given by me ( which is not true ) saying therefore there was no error and if I wanted to proceed further I should contact the person Ive sent the money to which was absurd I have no idea who the scammer was or anything about the money except I need the money desperately that he took from me. I am XXXX XXXX  living on one single income for XXXX and the money he took was my income for the month For bills and groceries.

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: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXXXXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$76.00} XXXX  Inquiry Date XX/XX/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 2020-05-04
Company: Experian Information Solutions Inc.
State: AZ
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 am mainly filing this complaint on XXXX, Experian. XXXX, Experian has failed to follow the law according to FCRA requirements. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. XXXX XXXX XXXX has failed to send the original signed consumer contract. If I have failed to get proper documentation how can XXXX, Experian say these accounts are verified and meet FCRA requirements. XXXX  has continually failed to comply with Section 609 ( a ) ( 1 ) ( A and has stopped me from attaining new credit with the erroneous accounts on my report. I have attached all corresponding mail from 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 2017-11-28
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a mortgage with Chase bank. I purchased the house for {$340000.00} and the mortgage was for {$380000.00}. They told me that I qualified for a grant and that it would cover my down payment but instead the {$20000.00} down payment was added to the mortgage. I tried for multiple years to modify the mortgage because of hardship and because the house I purchased was not worth the amount I bought it for. The modification took so long because they keep on losing my paperwork, saying they never received it. In the end I was forced to do a short sale because the bank refused to work with me in lowering my mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
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: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: WI
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 Account number XXXX, XXXX Account number XXXX, XXXX Account number XXXX, XXXX XXXX XXXX, XXXX Account number XXXX, XXXX XXXX XXXX  Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX XXXX XXXX XXXX bankruptcy dismissed Date filed XX/XX/2017, 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 non-monetary relief
Consumer complaint received 2022-06-16
Company: Experian Information Solutions 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:
Violation : 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 
Experian has notified me today XX/XX/2022 that are opening a dispute from XX/XX/2022, several months ago and over the 30 days period allowed by the FCRA. Please see attachment.

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 2015-08-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have had my mortgage with Fifth Third bank for the past 5+ years since I purchased my home - the bank failed to disclose 1 ) by policy they will not re-assign the mortgage to another bank and 2 ) they recently are no longer authorized to originate loans in New York . 
As a consequence, now that I am trying to re-finance my mortgage, I have to pay mortgage tax AGAIN ( ~ {$7200.00} ) - by not disclosing their policy, I was completely un-aware that I would be effectively penalized for switching lenders. As I understand, it is extremely rare for a lender to refuse to assign a mortgage to another lender. The lender should have disclosed this at loan inception so that I would understand how costly a refinancing could be. 
Furthermore, while it would have been questionable/bad practice to keep borrowers stuck like that, since Fifth Third can no longer do business in New York, I have no choice but to pay more than $ 7K to switch lenders and lower my rate ( currently 5.25 %, well above market ). Fifth Third should have notified all New York borrowers of this change and offered an equitable option. 
With all of the required disclosures, it shocks me that this was not among them. 
I spoke with a loan officer at Fifth Third about this issue and he was rude and very unprofessional, insisting they 're not obligated to disclose this information and giving sarcastic responses. 
I feel disheartened that even as an educated professional I was un-knowingly and un-wittingly cornered into this situation and will be forced to pay more than $ 7k out of pocket to lower my rate. 
Fifth Third blatantly hid important information, it is a deceptive practice that deeply hurts the borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A worker 's compensation policy was cancelled on XX/XX/2021 with XXXX. XXXX charged our credit card without our authorization on XXXX, XXXX, and XXXX of 2021. We tried to solve the issue with the merchant and have called them multiple times to get a refund. Everytime, a XXXX Agent states that they are working on it, however, they do not follow through. We follow-up with them and they keep on transferring our call or stating that they are working on it, but it never happens. We also tried to dispute the charges with our credit card company, however, every customer agent that handles our case shares different information with us and treats it differently. On XX/XX/2021, we talked to our credit card company and they assured that our documentation would be reviewed as we provided a cancellation letter to them. Today ( XX/XX/2021 ), our credit card company stated that the time has lapsed for 2 cases and are going to resolve 1 in our favor. All of the 3 cases deal with the charges made in XXXX, XXXX, and XXXX. The letter proves that the 3 charges were made without authorization. The case ruled on our favor is XXXX so how come XXXX and XXXX are out of the time frame.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-21
Company: ALLY FINANCIAL INC.
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Since XX/XX/ 2021, Ally restricted my account and will not allow me to make online payments, due to the account dispute documents they've received from me. As a result, I haven not been able to make payments and in turn ALLY has been reporting late payments on my credit files. 

Note that this account has been in dispute since XX/XX/2021 and according to 12 CFR 1026.13 ( d ), I have the right to withhold payments until dispute is resolve and ALLY may not report adverse information to the credit agencies during dispute. Even so, throughout this process I have been more than willing to make payments.

By ALLY denying me the right to make online payments and instead demanding that I send them payments via certified funds they are in violation of 12 CFR 1026.10, which states that " a creditor may specify REASONABLE requirements for payments that enable most consumers to make conforming payments ''. A conforming payment is a payment method that the creditor promotes, which in the case of ALLY is making payment online by debit card, by phone, or via automatic payments. With that said, ALLY 's payment demand is unreasonable and has caused me undue hardship.

Attached you'll find : Ally Statement with payment options ; Ally Letters stating they were/are restricting my account ; Screenshot of Ally online portal showing account restriction

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 2019-11-24
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a medical debt reporting on my credit that does not belong to me. It has been reporting on my credit for some time. I have never had services done with the medical facility mentioned on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have hard inquiries that I do not recognize or did not authorize appearing on my credit report XXXX XXXX  XXXX XXXX XXXX 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 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 2020-06-21
Company: STERLING JEWELERS, INC.
State: DC
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 disputes based upon erroneous/incorrect items on my credit report so that those items can be removed. It has been well over 30 days and I have not received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Problem with personal statement of dispute

Complaint:
My problem is not that the original issue was not accurate, my problem is that the reporting agencies ( XXXX, Transunion, etc. ) tend to keep issues on the credit report longer than is necessary. While for Bankruptcy, it does indicate 7-10 years, I find it significantly detrimental to the individual that negative public records are not removed at the earliest convenience, particularly if, in fact, the idea is to improve the financial welfare of not only the individual but the country as a whole after having " served our sentence ''. By keeping these negatives, they are punishing, not reporting.

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 2017-01-29
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I went the College XXXX which was a For profit college which is now closed. I had to take out XXXX separate loans from XXXX for this school. 
This school made so many promises that we would have guaranteed jobs after the XXXX program was completed. Never did I find a job in the field. 
They gave me some bogus certificate that was n't even recognized with employers. n I even back then contacted the president of the college and express to him how bogus this program was and wanted resolution which he could not give. 
I contacted the FTC to file an complaint. No one ever contacted me about the matter from FTC. I 'm stuck with a loan that I can not afford to pay back and never was not able to get a job in the field that was promised. What steps am I able to take since this school is now closed and I 'm stuck with a loan that has been in forebearance and accumulating interest on XXXX different loans from this closed school. Ive contacted XXXX who is now navient about school closed and asking for loan forgiveness. They told me no loan forgiveness for me because I went to the school in the 1997. But the same illegal business practices and deceptive was going on. Back then we did not have the same resources of social media and agencies to help us as the generation of people do now. The FTC was the only main source back then. Please help or please give me resources to seek

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I will try to explain, but so much has happened not sure where to start. This has been going on for 28mths just about. We have tried to do a loan modification and have been given the run around to the point we got behind and had to hire lawyers to help us and after the lawyer we were paying got suspended we have been left alone. We have contacted Freedom Mortgage since they got our loan back in XXXX XXXX from the previous lender which was XXXX. Since the lawyer we were left us high and dry in XXXX XXXX, we have been contacting Freedom, they keep giving us the run around. They said that we need to short-sale and if not they will give us 3 months to do a deed of liue and help us with relocation cost, we have wanted that in writing ... they keep saying that they have sent us a mitigation package and all that and to this day we have yet to receive it. I 'm sorry I forgot to mention this all started due to my husbands hours were cut and he had some medical bills that arose due to he had XXXX in XXXX and it looked like something had came back that caused us to apply to do a loan modification and it led to 28mths of fighting with mortgage company. So..after the told me to short-sale ... I went ahead and found a Realtor who put the house up ... she called them and they told her over the phone that the payoff was {$190000.00} and we had tittle company request it in writing ... we got an offer on the house while it was only on the marker for 7 days we were still waiting on the mortgage company to send the payoff..I have called them, had to leave a voicemail to a caseworker who never calls me back, left a message for a manager to call me and that has n't happened either ... we have a VA loan ... I do n't want to loose it, but how can I work with a mortgage company that is not working with me is almost as if they want to foreclosure.We do n't want that, we did not miss our payments on purpose, it was a life crisis that we ende dup in and went straight to the mortgage for help. Right now the people are waiting on our counter offer which we ca n't because Freedom has yet to send anything or return my calls. I 'm stressed, I just want to sale the house and move on, but the longer it takes the longer our credit is ruined. I want Freedom to help us and to do as they have said they will do. We ca n't loose our VA and we do n't want to foreclosure, we have tried to work with them and even have had an attorney email them to call him and they have n't even called him. All t his to me just does n't sound right and Im so scared that we wo n't have anywhere to go and no money to go anywhere. Please help us!! Please!

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 2015-12-12
Company: Mullooly Jeffrey Rooney & Flynn
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
the debt collector called my fellow employees at my workplace and shared personal information about me.they told other other employees about a {$12000.00} debt that was supposedly owed from 2001.they were harassing me as well after i told them to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my home for a better interest rate. The original amount was {$41000.00} the annual percentage rate was lowered to 3.695 %, but I was charged {$12000.00}. The amount I am paying on now is {$53000.00}. I have excellent credit also. Thanks

Company response to consumer: Closed with explanation