BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had automatic bill pay and payments were accepted for the ( 60 ) day grace period but then after the grace period ended, the payments were no longer being accepted. I never received any correspondence alerting me about these changes. Once I saw the money was still credited to my account I realized what was happening. Upon further investigation I found out the account was sold to XXXX. I immediately contacted XXXX and made the ( 2 ) payments required to get the account back to current. XXXX was also going to defer the ( 2 ) payments so I would be caught up and also they told me they would waive the late fees because of the automatic payment confusion. However, they are still reporting rolling ( 30 ) day lates. I have attached a copy of the XXXX XXXX XXXX payment history for reference. This inaccurate reporting of lates is seriously harming my credit score and these line items need to updated to report NO late payments and report a current status. I have contacted the bureaus and XXXX to remove these lates however, I have not been successful.

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 2018-06-06
Company: Ditech Financial LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I sent financials and a request for mortgage modification to Ditech mortgage for them to process. Ditech had all the requested documents but they foreclosed on my home while they were processing my modification request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This debt of {$76.00} was paid in full to XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX, DE. XXXX. They forwarded my bill to Transworld Systems Inc. for collection and failed to inform them that I had written the final check of {$76.00} and mailed it to them. It was cashed and I assumed the acct. was closed. I checked my credit report and I see this debt was never reported as paid in full and therefore still shows up as unpaid and OPEN. I need to get this collection acct closed and off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been a Bank of America customer for over 27 years. In XXXX of last year my husband passed away. In XXXX of last year an acquaintance of mine stole checks from my home as well as my debit card information. In the following 11 months this person used the checks and the debit card information totaling transactions of approximately {$20000.00}. 
During this time I was not alerted by the bank to any fraudulent activity although it was obvious the checks were not signed by me and the debit card spending was very unusual activity. I became aware of all this in XXXX of this year and to date the bank has not returned my money.

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 2021-06-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX are reporting 9 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: PR
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have sent in a qualified written request to SPS on XX/XX/XXXX via certified mail in request for information regarding my loan and they have yet to answer, this company has refused to have any conversations with me or provide me with any information on my loan since they have had it, I have never received a payment book or a letter informing me that we had a change of banks. 
we have sent in a qualified written request to SPS on XX/XX/XXXX via certified mail in request for information regarding my loan and they have yet to answer, this company has refused to have any conversations with me or provide me with any information on my loan since they have had it, I have never received a payment book or a letter informing me that we had a change of banks. 

I have requested the assistance of an attorney office to help investigate some issues with my mortgage, I do not believe I have signed some of the documents they claim to have due to the dates they are claiming, since I have never received a copy of my closing documents at time of closing I had mad a formal request of all documents in order to make sure my loan is correct. 

since XX/XX/XXXX the original bank " XXXX XXXX '' refuse to give me my copies of my mortgage, my X husband has been in charge of making the payments and controlling the flow of information coming from the bank, since the change of lenders I had found out because people came to the house and told me the loan was behind, but no one has been able to help us at the bank. 

the attorney was the only person able to get the account number from the SPS but has still not sent in our proof of documents. 

I XXXX XXXX and my daughter are the only ones living the house for 12 years and the house was an inheritance from my father, I ave lived there for 41 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Tower Loan the memories of this company is vague. However, I recall getting a loan from this company back in XXXX I believe. It was on behalf of merchandise that they financed. Well, I paid my bill and made payments on time. well, one day I received a phone call that the company had terminated a young lady that was employed with the company, but was stealing. She was taken payments from the customers but were n't actually posting the payments to the customer account. I informed the person that I was speaking with that my account was paid in full and that I did n't owe any debt. This is XXXX so since XXXX I do not currently have any receipts to back up anything that I am stating at this point. I do not neglect in paying any of my bills and I never have. This company is constanly pulling a hard inquiry on my credit report without my permission and calling me on my job making threat and calling my home upsetting my mother that is ill. If I owe this debt I would pay it, but I do not owe anything to this company. At XXXX point I made a payment or XXXX until I realizes I am making a payment on a debt that is no longer my debt. I asked for receipt, but was told I could not get XXXX until all payments was paid in full.

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 2015-07-29
Company: I.Q. DATA INTERNATIONAL, INC.
State: WY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I called in to IQ Data International to report a credit inquiry that I noticed was on my credit report, I just wanted to know why they had inquired on XXXX XXXX, 2015 when I spoke with the XXXXXXXXt lady she stated that they pull every XXXX months to see if the bankruptcy is actually on there even thou they had received my bankruptcy paperwork and that unless I paid the full balance they would keep inquiring on my credit report although they were showing a {$0.00} balance which is also reflected on my credit report. Not felling like this was fair I wanted to speak with a manger to see why this was. They transferred me to a XXXX named XXXX I explained to him that I was not calling to argue I wanted to know why they were still in my credit report after it had been over 1 year since I filed he said that they never received it however my question to him was why if your pulling my credit and it is showing bankruptcy are you still in my credit report he stated because they can pull every XXXX months this still did n't make sense so I asked repeatedly if you know there 's a bankruptcy why are you looking into my credit report at this point I was getting upset so I asked again and he said mam you lost those privileges when you raised your voice so now he is not giving me any information and is mocking me he then was going to give me the address to send the paperwork to but I wanted to know why I needed to send paperwork if they had already noted the bankruptcy. He hung up on me several times and was extremely rude I asked each time to speak with somebody else and they kept transferring me over to XXXX I am assuming its because he noted on my account that I needed to talk to him only. I apologized to him and was trying to be the bigger person and said please can you let me know the address and what you see on your end when you pull credit he refused to tell me and said you seem to know more then me you answer your own question. He was pushing me to the breaking point on purpose. Overall he was very unprofessional, belittling and does not deserve to be working with the public. His profanity and voice tone were unacceptable and hurtful. I have never been through anything like this before. IQ Datas ' staff should be penalized for treating people the way that they do, they are debt collectors they are there to help people not make this feel like XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have had a very difficult time with Bank of America. I have been trying to get a loan modification for the past year. Bank of America is refusing to let me be reviewed for a modification based something that happened 11 years ago. When I got this loan I went through Countrywide. At the time I did not know how fraudulent they were. Bank of America is stating that because of something that happened on the origination on this loan, I can not have a loan modification. I dont even know what it is, and Bank of America will not tell me.

Countrywide was a very criminal and fraudulent company. In my opinion, they were a major cause of the mortgage crisis. My loan officer lied to me and mislead me on several occasions. By the time I realized this I lost a couple of homes to foreclosure. They were a very very bad company.

I am now being held responsible by Bank of America for the criminal activity of Countrywide, and I believe this is unfair!

I am not a loan officer, I am not sure what he did!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: EQUIFAX, INC.
State: NY
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:
Hey, hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being passed around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my Report I filed for identity theft because these accounts were not mine. Have them remove these thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: BB&T CORPORATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Branch Banking & Trust denied my residential loan application even though I withdrew my request for the loan before completing it because the mortgage officer would not answer basic questions regarding the terms of the loan. This application was never completed and I asked that it be withdrawn before completion because the terms that they had set forth changed dramatically from what they originally proposed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had XXXX XXXX  done last year and took advantage of zero interest for 12 months which was due to expire XX/XX/2020. My wife scheduled the final payment of {$570.00} through our credit union on XX/XX/2020 to be paid XX/XX/XXXX. The payment was processed and reached Comenity - XXXX XXXX XXXXXXXX    XXXX XXXX of XX/XX/XXXX. I received a bill for {$480.00} for interest charges. 

I contacted Comenity on the XX/XX/XXXXwho opened up a complaint with their office in Ohio. I followed up with a letter explaining my position that my final payment reached their office prior to the expiration of the zero percent financing and I should not be responsible for their processing. They indicated that the payment didn't clear until XX/XX/XXXX and therefore the interest offer was cancelled. I have also contacted the XXXX XXXX XXXX who recommended I contact your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: EQUIFAX, INC.
State: LA
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:
These 6 inquiries on my equifax report was removed then reinsterted back without giving me a 5 day notice which is a violation I have reached out to Equifax several times, issue still unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: BBVA FINANCIAL CORPORATION
State: AZ
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:
Hi, I went into a dealership to purchase a vehicle back in XX/XX/2017. The dealership asked to run my credit for approval. I asked that they only submit my report once to the most likely lender. The dealership shopped my credit to 3 other bank institutions without my approval. I want these inquiries removed. I did not realize they could be removed until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit card
Issue: Other

Complaint:
The American Express website shows a balance figure called the " Current Balance '' in a larger font than some other sub-balances. However, this figure is actually the Statement Balance, not the current Outstanding Balance. So if you pay only the " Current Balance '' you actually a leave a balance on the card and thus must pay a financing fee. This is needlessly confusing and seems to be an attempt to bilk customers out of financing fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
XX/XX/2021 XXXX I walked over to wells Fargo as instructed by the representative that answered the phone. The direct branch was called XXXX. My good friend had a XXXX  XXXX and is in the hospital. My friend Mr. XXXX XXXX wrote a check to me. The representative that answered told Mr. XXXX that I can come to the bank with two forms of ID and debit card. I have now been sitting here over an hour. Whom Mr. XXXX spoke with will not speak up as the person whom he talked to. I have him on standby and then had him call the bank. The check is for {$2500.00} to me I brought my ids and Mr. XXXX called but they are not cashing it They ate not even addressing me. I am an upstanding XXXX XXXX. I am being treated like a criminal. I don't like the looks I m getting and nothing is being done. I am tiny, blonde, I have XXXX XXXX  and I feel like I am being judged. As I sit here no one is addressing me we are going on 2 hours. The check is made out to me I have ID. The check is real and not fraud. I feel this is being done because of how I look. 
I sat there fir three hours and in the end treated like a criminal. That check was 1000 % authentic. I had my IDs. The Manager came out to me in lobby after sitting there for almost 3 hours not being addressed at all. I can hear the comments and whispers yet not one employee has addressed me. The Bank XXXX comes out with check in her hand. She says to me. " I know for a fact that this check is fraudulent. You are trying to commit a fraudulent act in my bank. I am not honoring this check and we will not cash it. Then she flung the check in my face. I told her that the man who wrote the check is across the street in the hospital. I told her he needs to have some cash and was supposed to buy him some clothes. The Manager then again said the check is fraud we will not honor the check. I grabbed the check and told her the check was legit and I will be back. There were people in the bank and employee 's. I felt embarrassed I felt that I was being judged and I was treated like a criminal and I am not. 
The man who wrote the check who was in the hospital from having a XXXX and XXXX XXXX XXXX XXXX XXXX. He writes with right hand which means he cant write. I explained this to the Bank manager. The man Mr. XXXX XXXX called the bank to tell her to honor the check. She informed him that she can not cash a check without proper ID 's. I brought proper IDs. I was on the level. I was not committing. A crime and was not treated respectfully. I was discriminated and character was ( defamation ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''.

Company response to consumer: Closed with explanation