BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our Mortgage is a modified loan through Bank of America. We have already live the nightmare of almost losing our home because Bank of America had our loan being serviced by XXXX. We saved our home thanks to you ( CFPB ) and all the paperwork I was able to supply my complaint against their failure to follow through with modification process and improper handling of our records. 
ONCE AGAIN Bank of America is transferring our loan servicing to XXXX. A company that has a 98 % negative review, not customer friendly, a company from XXXX and is n't even a XXXX. How can Bank of America continue to work with a company that has this kind of reputation? Please I feel that based on my history with Bank of America that they could and should keep servicing my loan or at least that they find a better servicing company that carries a better reputation and isnt a company just waiting to complicate a family 's mortgage records so that they can start charging fees upon fees and then create a crisis as to make a homeowner default and they make their money off the top for every home they foreclose on. 
I want nothing to do with XXXX. We saved our home, we worked very hard, lost sleep, got sick and hospitalized because of all the misplaced paperwork and stress XXXX caused us. Please review the documents I am uploading and I beg that you see how you can assist us with remaining with BOA as our servicer or find us some other reputable servicer that isnt 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 2017-01-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Chase Bank is charging unauthorized fees to my account, specifically contravening the account agreement. Chase Bank refuses to permit stop payment requests for 1 year. They will only accept stop payment requests that include automatic renewal for 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Experian refuses to provide me a copy of my Annual Credit Report and/or a copy of a credit report when denied credit. This is an ongoing issue with them ... sometimes they follow the law and provide it to me and other times they do n't. This is the XXXX time they are requesting a copy of my Driver License. Why??? Nothing has changed since the last time. They are purposely depriving me of my Annual Credit Report under United States law and they need to be made to follow the law like every other citizen and business operating in our country.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian continues to report these XXXX XXXX XXXX accounts incorrectly, despite numerous disputes. Experian claims to not have my documentation, which is a lie, because I have sent this documentation to them multiple times via certified usps mail, with a receipt showing delivery. Experian is claiming they will not reinvestigate without documentation, but refuses to acknowledge that I have repeatedly sent them the correct documents to support my dispute. Experian has locked me out of my online report, as well as the ability to upload documents online- claiming they can not give me a reason why but everything must be mailed. They will only receive written communication from me at this point, and are refusing to correctly process my dispute with what I have been sending them. 

These XXXX XXXX XXXX accounts began reporting on my file as XXXX XXXX. These XXXX accounts were transferred within XXXX XXXX to another department and re-reported as XXXX XXXX. They were transferred with a positive status. These XXXX loans were then forgiven and discharged. They should be reporting as " paid in full, and closed '' with a positive status. I have been in contact with XXXX XXXX several times regarding this, and they claim they are not the ones reporting the incorrect information to Experian. 
Considering XXXX is reporting these XXXX loans correctly, I tend to believe what XXXX XXXX is claiming is true. Especially considering Experian has admitted to me that they sometimes receive reported information from a XXXX party vendor, and it may not always be accurate. XXXX XXXX was more than happy to provide documentation to me to share with Experian, and has told me they continue to report the account correctly to all bureaus. 

Dispute with documentation was sent to Experian yet again on XXXX/XXXX/2015, which they deny ever receiving. I have attached all pertinent documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
THERE ARE INQUIRIES DONE ON MY CREDIT THAT I DID NOT AUTHORIZE. WHEN CONTACTED CREDIT BUREAU BY PHONE THEY STATE THAT THE INQUIRIES ARE VALID AND THEY DONT HAVE TO PROVIDE PROOF FOR THE INQUIRIES. I HAVE NOT DONE ANY INQUIRIES ON MY CREDIT IN XXXX OR XXXX. THESE INQUIRIES NEED TO BE REMOVED FROM MY CREDIT ASAP. I SHOULD NOT HAVE TO WAIT 2 YEARS FOR INQUIRIES TO BE REMOVED THAT I DID NOT AUTHORIZE NOR DO.

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 2016-11-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
A couple years after XXXX I noticed a XXXX XXXX ( now ) XXXX loan on my credit report that i never signed for. In the last 5 months I 've disputed this account multiple times and can provide certified copies if needed and nothing has happened. I just keep getting " verified new information below ''. I found your site from a friend that had similar experiences with the credit bureaus. You can find my documents uploaded as instructed with your site.

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 2016-03-16
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is not responding to my requests to investigate and remove accounts from my credit report that do not belong 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 2017-03-29
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I would Like to File a complaint on behave of Experian. I was reviewing my Experian credit report and came across the length of credit History you are reporting 4 Years of credit History How could that be Possible? You are reporting a XXXX account XX/XX/XXXX on my report and a kohl card was open in XX/XX/XXXX and I do n't believe they are reflecting on my score so could you look into that

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 2015-06-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
A refund was illegally refunded by XXXX to a closed debit/checking account w/ Citizens Bank XXXX After many phone calls into Citizens Bank, was finally able to find that the refund was in fact sent to my closed account & a check was issued for the refund one month later. After 4+ weeks of no check being received, I began to call into Citizens Bank requesting a re-issue be done as I still had not received the refund check that was righfully mine. Another week passed and they stated they were going to notify the correct department to place a stop payment on the check. Low and behold, two days later I received the check and I did call to make them aware that I had received the check. I received a phone call assuring me that the stop payment had not been placed on the check and it was ok to cash. Upon cashing the check on XXXX XXXX, 2015 when the refund was placed into my closed account on XXXX XXXX, 2015, I received a letter from my current institution on XXXX XXXX, 2015 via mail that there was a stop payment and that the funds had been withdrawn from my account. This refund was performed by XXXX on XXXX XXXX and I am still waiting for that refund as it has been 3 months. Who exactly is getting the interest on this said money that does n't belong to them yet make it ever so difficult to return to the rightful owner?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-05
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
The American Express credit card from XXXX has decided to close all the present accounts and transfer to a XXXX Credit Card. Upon closing the accounts ( Nationwide ) XXXX consumers will be subjected to a hit on their credit report for American Express closing these accounts. There is nothing any of the XXXX American Express credit card holders can do. As soon as their cards are closed ( By XX/XX/2016 ) all consumers will have their credit scores negatively impacted by closing of these accounts. There is nothing that can be done. I tried to keep the account open, they will not and no other consumer will either. This is a business decision done by American Express which will negatively impact XXXX consumers credit scores/reports ( including my own ) by closing this credit card account and opening the new account. I contacted American Express and they indicated that there is nothing they can do and that each person can contact all major credit companies and dispute this on their own, which is not only something an unsophisticated consumer will not do, but since Amex is closing the accounts, nothing they will do either. This is an engregious practice negatively impacting the credit scores of a a large number of consumers for the whim of American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is XXXX social security numbers listed in my report. It will not let me dispute that it is not mine. It is my XXXX year old sons social security number.

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 2016-12-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I 'm making a complaint against Experian because they are reporting information that is inaccurate, incomplete and does not belong on my credit report. I am including in part, my dispute with them and I need to see the actual petition that they are using the verify this bankruptcy or it needs to be removed. XXXX states that they must have the petition in their possession to legally verify and that is the only form of legal verification. Anything else is hear-say. The court states that they do not verify with the credit bureaus which means that they have not verified this. I am getting XXXX responses from them : # XXXX this will stay on my credit report for XXXX years and # XXXX this will not be investigated. That is a violation of section XXXX and they violated XXXX by not sending my all docs in my files that they are using to verify. 

My dispute : XXXX BKPT CT CA XXXX AN XXXX There is no such court named : XXXX BKPT CT CA XXXX - all courts must be listed accurately and completely and the name of the bankruptcy court is not what you have listed! You MUST list this as a bankruptcy court with city and state and can not be abbreviated for convenience and space! 
Date : XX/XX/2010 - this filing date is not at all correct and I would like to see the actual petition that you clearly have in your hands as you have " verified '' this information each month Plaintiff : I can see that you have no plaintiff listed which means that I do n't owe anyone money and never did - a plaintiff must be listed on a public record Docket # : You have XXXX listed - send me the petition that shows this EXACT docket # - I know this to be untrue and inaccurate : there is no " XXXX '' listed in the docket # My requests are listed below : # 1 Produce the petition that you used to " verify '' this bankruptcy - the court has notified me that they do no such verifications with any of the credit bureaus # 2 Produce the petition that shows the exact information that you are reporting on the credit report that I am attaching to this letter - please do not send me a letter stating that public records stay on a credit file for XXXX years - this is not an acceptable response and is not legally variable without the physical petition ; bankruptcies can not be verified without this information # 3 Remove this inaccurate account from my credit report right away - the proof is in my letter

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 2020-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2017-01-09
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I recently wrote and sent out dispute letter, including copy of my credit reports, with my other documents. I 've notarized, and certified by mail sent to Experian Credit Bureau three times. And I received investigation results letter by mail and Experian still refused to deleted inaccurate 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 2017-01-29
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
The investigation is taking several months. Every once in a while they change the person in charge of the case and everything goes back to zero again, with the same letter of introduction and asking for renewed information. There is like a rota of people fooling around my id theft case. I have never gotten a complete investigation status or what clearly the problem is, and/or what is the solution they are working at. There is a constant repetition of questions and information. Repeated information that has to be re-submitted to a new agent everytime. I feel disappointed and also I do n't even know what are they doing with all this information, my personal information, what is their purpose. If they are marketing or selling my data, or what is going on. But at this point I do n't want their involvement. I know they can be dangerous because they operate as a division of Experian, and they could enter detrimental information in my file if they wanted to get back at me for filing this complaint. Therefore, under my lawyer 's advice, I will be using this complaint also as a milestone to indicate I complained against the agency before they try to damage my credit. Now they have a lot of personal information that XXXX be they even did n't need. They promised to help me put a long term fraud alert on my record, something in the order of 5 o 6 years. Which I thought it was kind of long. But I went along until now when I 'm realizing they are playing games. Their purpose? I do n't know. Thank you for your assistance. Best, XXXX XXXX XXXX XXXX, of XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, XXXX. Post Data : I wo n't be able to attach files, but I can send in a long chain of emails I received from this group XXXX ( Experian ) for a period of 6 months or more.

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 2017-01-31
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Franklin American Mortgage Company was notified by way of a conference call between me, my insurance agent, and a Franklin American representative that I was dropping my insurance coverage with XXXX and was picking up coverage with XXXX, XXXX XXXX XXXX. That call took place XX/XX/XXXX. My new home hazard coverage began taking place on XX/XX/2017. When Franklin American sent me a notice in the mail that they did n't have any record of my new coverage, I sent all the new insurance information from my declaration page. Two weeks passed. I received notice from XXXX that they had n't received payment from my escrow account and, I was about to be dropped from their coverage. That 's when the nightmare began. I had a week to prove I was covered. I placed multiple phone calls and waited for 30 minutes at a time with each person ( XXXX, XXXX, XXXX ) to be told continually that they had n't received anything in the mail. I had my new insurance agent fax a copy of my coverage on Friday, XXXX XXXX. I called on Monday and Tuesday, XX/XX/XXXX and XX/XX/XXXX and continually got the run around. Eventually Franklin American workers told me that the fax was illegible. I then faxed a PDF myself to the company. I was promised by XXXX that she would call me to tell me whether or not she received it and could read the information. I never received a call. I now had hours left before being dropped from coverage. I am a single mother who is a teacher. I clean houses on the side and tutor students to make extra money. In a panic, I ended up calling XXXX and they told me to avoid being dropped from coverage that I should make a small payment of {$240.00} and then whenever Franklin American finally decided to get their act together, I would be reimbursed. So that is what I did. I did n't have the spare cash. I will not go grocery shopping this week now. I stay updated and on top of things. I did my part and Franklin American failed me continually. Their customer service did n't seem worried about my finances or my coverage being dropped. I felt that certainly, incompetence played a part in this circumstance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I never received a copy of the actual contract from XXXX to prove my account opened on XXXX/XXXX/XXXX. Also I do not have proof the last payment made was on XXXX/XXXX/XXXX. I asked for full payment history and I needed to see a copy of the original contract. XXXX is re-aging my last payment date and reporting it to experian and equifax erroneously. FCRA rights ignored and Fair Billing rights ignored. in the letter they admit incorrect reporting by experian and they should delete the account. Equifax also has the wrong date opened, they need to produce the full payment history and prove they actually did an investigation. I have disputed this for over 120 days without a proper investigation.

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