BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-05
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
XXXX is in fact NOT complying with the FCRA. And the FTC just looks the other way. 
It is OBVIOUS that XXXX does not want to give you a free credit report. The web barriers are very difficult to surmount, so most people give up and pay money, as XXXX wants. They say I have already received a free report within a year, so I am not eligible. But I did not. They ask very picky and detailed questions, which are unnecessary and often impossible to answer. They say " unable to complete your request '' with no reason. Their XXXX character recognition system rejects most anything you enter. They reject you for any of the above and you have to start over or worse they say you are disqualified. They say you have to apply by mail. I got their form and filled it out and sent it back. They never replied. 

So in desperation I paid them for a report. Then I found in the fine print on the very last web option, that now I was a " member '' and they would charge me {$25.00} additional every month. I never signed up for that and it is a complete ripoff. I had to call them to complain, and then they offered me half price to remain a member if I agreed to stay on for 5 years. THIS IS ALL A COMPLETE SCAM!!! 

The best evidence I can give you is just try it yourself. Any reasonable person would conclude as I have that their web pages do NOT constitute de facto compliance with the FCRA. They are deliberately designed to just male money for themselves, and not serve the public.

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 2019-12-09
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/27 I filed a claim with td bank for unauthorized charges FOR XXXX. And it was deny Over 5k in charges! back to back to back big amount. How can td allowed that! I never heard of this recipients in my life. 
More then 1 device was logged on to my online banking. 

My phone number was change My email was change Different ip address where signed in to my account. I couldnt even log in to my OWN ONLINE BANKING, because they send the security code to the hackers number! 

Td close my checking and told me to open another one, and still deny my claims? 

Police report XXXX claims, I really need my hard working money back, this is unexplainable, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Bank of America claims to have transferred servicing rights on my HELOC in XXXX  to another company during the Great Recession of XXXX. The XXXX XXXX Bailout occurred at that time as well. BOA was sued by the Federal government for fraudulent activity at the time, and was one of the largest lawsuits in American History on Real Estate.

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 2021-10-01
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX got Trial Streamlined Loan Mod from PHH Mortgage Services as Successor in Interest. Successfully completed in XX/XX/XXXX. 

Due to unknown reasons PHH never updated the account to remove special executors name when probate was completed. 

I continued to make payments and in XX/XX/XXXX a payment was returned to my account unbeknownst to me. When I discovered it I called and PHH said the loan mod was now denied because special executor did not sign.

I appealed, filed with California Bureau of Consumers and they reversed their decision and asked for {$7900.00} to be up to date. When I sent payments, they got sent back again! I called Ombudsman and she apologized and said to start sending money. So I did. Attached is XXXX  XXXX XXXX account statement with payments totaling {$7900.00} I sent XX/XX/XXXX payment on time and it got sent back! When I called to ask why, NOW they are saying its because I owe them another {$3100.00} but that nobody communicated that to me and they are sorry! 

I now feel they are discriminating against me based on my race ( XXXX ) XXXXm a senior ( XXXX ) and the fact that the property is in a Redlined area of XXXX XXXX and has some equity FINALLY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
I appeal to your service to have all three reporting services ( XXXX, Experian, XXXX ) remove the middle initial from my name. I continue to receive mail with a middle initial which, in my lifetime, have never used. Despite several requests to said reporting services to correct this mistake, they continue to carry my name with a middle initial.

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 2021-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
I appeal to your service to have all three reporting services ( XXXX, XXXX, TransUnion ) remove the middle initial from my name. I continue to receive mail with a middle initial which, in my lifetime, have never used. Despite several requests to said reporting services to correct this mistake, they continue to carry my name with a middle initial.

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 2015-10-05
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I received information about having XXXX new negative items on my credit report, so I did a free credit check report and noticed several bills that had incorrect information including my home address. I do n't recognize most of the alleged bills that are outstanding in my name, which leads me to believe I am a victim of identity theft. As soon as I noticed this, I immediately disputed the negative items, however, the disputed have gone unresolved and still remain on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
For the past several months, I have been disputing several inaccuracies that are listed in my credit report I have written three letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as follows : Bureau : Experian Account Name : XXXX Account Number : XXXX look like this account I not mine, I asked XXXX to send me a copy of this debt with my signature on it showing that this account really belong to me and they fail to reply

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: Peer Advisors, LLC
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am filing a complaint against Celin, loan server, XXXX ( Vendor Celink hired to do appraisal and XXXX XXXX the appraisal company preformed the apprisal on my mother 's Reserve Mortgage loan. XXXX XXXX had a Reserves Mortgage with Financial Freedom. ( Bad Review ) She passed away on XX/XX/XXXX, on her birthday at XXXX XXXX. My brother and I are heirs. We have been trying to buy back our mother 's property out of Reserves Mortgage from Celink and the task difficult. Celink has created many hurdles for this NOT to happen. Celink didn't want to have a conversation with me so I hired an attorney XXXX XXXX to represent the family and do probate. The list of problems with Celink is long and this company and their affiliates should be investigated. On XX/XX/XXXX, Celink requested another appraisal on XXXX XXXX Estate this will be the 3 appraisal. The other appraisal had come back too low. XXXX XXXX XXXX comes back at XXXX. {$40000.00} more than the other 2 apprisals ( there range were between XXXX to XXXX ). Then I hired an Apprisal to do an on XX/XX/XXXX, to do an Appraisal on XXXX XXXX XXXX Estate. Estate appraisal comes in at XXXX. much lower. Also, the Appraiser reviewed XXXX XXXX XXXX Apprisial and found inaccuracies in their appraisal and we were advised to Appeal the appraisal. As heirs, we asked for remedy and Celink send an Appraisal Appeal to the attorney. This was around XX/XX/XXXX, then the vendor requested a General Contractor 's  estimate of repairs. Celink had a copy of Estate Apprisal with estimated repairs to the home. However, the vendor wanted a more detailed estimated. The original Contractor who did the estimate was not available so I hired a new Contractor for {$350.00} to do requested estimated because Celink had set a foreclosure for XX/XX/XXXX and time was running out. All repairs cost {$120000.00}. The attorney informed me on XX/XX/XXXX that Celink denied the appeal without an investigation or review into XXXX practices. The family attorney had to file a motion to the court requesting a delay on the foreclose and it was granted. Now we are in process a home of buying a house with much need repairs that is not worth {$360000.00} due to injustice and unfair treatment of Celink, vendor and XXXX  XXXX. Celink wants my mother 's house to make a very big profit at the cost of the consumer. I lived with my to take of her when she would no longer walk. I love the house The house roof is 17 years old and there are water stains throughout the house. ceiling has a whole and all fixtures including the kitchen 30 years old but clean and maintained for years. The house is upside down when it comes to value. Please see Appeal Description, Apprisal from XXXX XXXX, XXXX XXXX Estate appraisal, and general contractor assessment of damage and Celink 's excessive price on the estate ( see hub statements. ( I will mail supporting documents on XX/XX/XXXX ) Also email conversations

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
XXXX student loan, sent me a letter agreeing to delete all XXXX accounts off of my credit report. I submitted a dispute with Experian and they have yet to delete the accounts. XXXX deleted the accounts off as agreed in the letter, what is the purpose of submitting documents with our dispute if they are n't going to abide by them. This is n't their credit report it is mines that I am working hard on getting cleaned up, are they following the rules and regulations like they suppose to be. Please help In this matter

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 2019-12-05
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I disputed 2 fraudulent charge backs ( violation of Fair Credit Billing Act ) by Chase Bank -Chase violations of Deceptive Trade Practices and Consumer Protection Statutes. Services were never rendered, chase did not investigate and stole {$120.00} out of my checking account, Please read attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank of America Westchester Branch Theft of Safe Deposit Box XX/XX/XXXX I opened an account with Bank of America Westchester Branch in XXXX while at the same time I opened a safe deposit box I have been visiting the safe deposit box for over 10 years Earlier in XXXX I went to visit the safe deposit box and the biometric scanner that I had been using for 10 years was gone I went to the teller and asked how I could gain access to the safe deposit box and why they had removed the biometric scanner The teller went to get the branch manager The branch manager told me that they did not have good records of who had safe deposit boxes so they removed the biometric scanner and were forcing everyone to visit the teller to gain access to the safe deposit boxes Upon checking the branch manager told me that they did not have a record of my safe deposit box either Since the account was a joint account he told me that I had to come in to the branch with the other joint account owner and complete new paperwork for the box My wife and I went to the branch and completed a new agreement for the box I could not get a response from them for several months on the status Now they are telling me that my box never existed and they will not provide me access to the area where the box is located I argued with them but they will not give me access even though I have the key to the box I have documents and other valuables stored in the box Many items are valuable and not replaceable I consider this action to be grand theft and fraud

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 2015-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
i paid off my mortgage with bank of america when i refinanced. b of a charged me a {$90.00} " fax fee, '' which seems ridiculous and unfair. they also charged a {$45.00} " reconveyance fee '' and a {$14.00} recording fee. i could buy a new fax machine for {$90.00}. this is absurd, outrageous, and i want a full refund for that fee! 

the fees banks and lenders can charge when you payoff their loans should be regulated so that we consumers are not hit by this arbitrary and ridiculous fees that we can not challenge during the payoff process. 

XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XXXX put XXXX debt on my account after it was paid before collection. I called they told they do n't have my account it was sold and theres nothing they can 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 2019-12-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing, Inc. ( " SPS '' ) failed to pay my property tax from escrow impound. SPS claimed that SPS paid my property tax on XX/XX/2019. XXXX XXXX County has not received property tax payment as of XX/XX/2019.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Avadyne Health Holdings, Inc
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My wages are already being garnished for the debt I own. 

What they did today is call me from XXXX. The call came up with my WIFE 'S NAME AND RINGTONE. The ID came up as my wife 's work number, but my wife doesn't work. The message was recorded. When I heard the recording I shut off the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit 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:
My name is XXXX XXXX and I have a complaint against BJ 's wholesale club. I am receiving a bill for a BJ 's credit card that I never requested or received. I am now receiving a bill for {$290.00} but have never a made any purchases because I didn't requested it and I don't have a card. The banking company Comenity wants to offer me a deal to pay half of the bill but I refuse to pay a bill for something that I never requested or have a card for to make any purchases. 

Please assist me with having this bill erased and the account closed out. 

I can be reached at XXXX or XXXX XXXX XXXX XXXX, XXXX XXXX MD  XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-06
Company: EQUIFAX, 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:
Equifax ; XXXX  and XXXX are reporting incorrectly that I am ( 120-180 ) days late on XXXX partial account number ****XXXX  and ****XXXX. (  Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX I recently submitted a request for investigation of an Acct Number : N/A XXXX XXXX XXXX XXXX {$1200.00} XXXX {$1200.00} - {$1200.00} - - - XXXX EF N/A XXXX XXXX XXXX XXXX {$550.00} COLL {$550.00} - {$550.00} - - - XXXX EF N/A XXXX XXXX XXXX XXXX {$200.00} COLL {$200.00} - {$200.00} - - - XXXX EF N/A XXXX XXXX XXXX XXXX {$91.00} COLL {$91.00} - {$91.00} - - - XXXX EF I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My deposit for my social security of {$1400.00} check went in a Navy Federal Credit Union account electronically and they wont return back to Social Security. I dont have an account with them. I have contact the over 3 times to do so. I have no income since the XX/XX/XXXX to live on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had XXXX accounts with XXXX XXXX and XXXX of them was a paid in full charge off that happened back in XX/XX/XXXX. Today, I have a perfect credit but still have this charge-off showing so I did what any person would do and disputed the charges. Today, I logged in to check my credit before traveling to XXXX tomorrow to find a place just to see that of course the item was not deleted as it should had been be re-aged to having derogatory marks that supposedly happened in XX/XX/XXXX. After almost having a XXXX XXXX, I tried to call them but they do n't have a number for you to speak to someone unless you purchase a credit report. This is a joke right? The account # is XXXX

Company response to consumer: Closed with explanation